ALLY FINANCIAL INC.

2019-10-30

Englewood, FL

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Carver, MA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Bellaire, TX

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: They call every two hours. When I answer the phone, they hang up every time. Had to call the number back to figure out who they were. The calls persist with no recourse for me to make them stop. This is my second complaint about excessively repetitive phone calls. They've been told to stop calling and they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Charlotte, NC

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-10-29

Chicago, IL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: Hello, We desperately need to obtain the title OR a lien payoff letter for a vehicle, a XXXX XXXX XXXX. We have repeatedly mailed and faxed this request for a number of months. When I call Ally Customer Service they indicate that there is no record of this lien. I have been calling for three months. Ally bought out XXXX, which owned the XXXX XXXX XXXX that held the lien on this vehicle. The lien has been paid off for a number of years!!!! VIN # XXXX TITLE # XXXX ISSUED XX/XX/XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XXXX XXXX Cell XXXX Land
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Tuscola, TX

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Hinkley, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I am currently in Chapter XXXX Wage Earner Plan. Recently a creditor reported a charge off to the credit bureaus for a vehicle that my ex-wife has, or had. By the divorced agreement, and the court indicated that she was responsible. I sent these papers the divorce papers and agreement via certified to this company, explaining such in XX/XX/2016. I didn't know that there were arrears at that time, neither did I know the arrears were being paid and included in my current wage-earner plan. In fact, those arrears were paid. I've heard nothing from this company for more than three years, until recently this pops up on my credit reports. Which I feel it is malicious act and may be a violation of the automatic BK stay. I can only imagine they were not able to collect monies for my ex-wife and have decided to destroy what's remaining in my life. I will fight this as hard as I can, even if I have to go to the media. This is malicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Boston, MA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Complaint: I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Fort Pierce, FL

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Bakersfield, CA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Walnut Spgs, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Washington, DC

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

San Bernardino, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund. The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally. I signed the paperwork to cancel the one contract that they said I could cancel. As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Franklin Park, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-24

Las Vegas, NV

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

White Hall, PA

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Ally FInancial- XX/XX/2019 I am not sure how this happened. I believe that I have made my payments to you when I recieved my statements. My only thought is that the monthly statement never came to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

San Antonio, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Blooming Valley, PA

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-23

Mount Royal, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-22

Prospect, KY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Havana, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Complaint: OnXX/XX/2019, I refinanced my car loan with Ally for a better rate with my bank ( XXXX XXXX XXXX ). A check in the amount of {$11000.00} accompanied the paperwork. The remainder of the loan with XXXX XXXX XXXX. Car loan first payment was due XX/XX/2019. After XX/XX/19 passed, I started getting calls from Ally about when I was going to make the payment. I explained the situation. Then I kept getting harassing phone calls for payment. On XX/XX/19, worried my paperwork and check were lost in the mail, I went back to the bank and wrote another check for the same amount and XXXX XXXX XXXX sent it off overnight. The phone calls kept coming, saying they had not received the paperwork or the check. I tried and tried to call and get someone to help, but the only number available was customer service located in the XXXX. I also tried email, but no help there either. I kept checking my online Ally account ... NOTHING. The calls kept coming. Finally, on XX/XX/XXXX, I noticed the check had been cashed with my bank. The transaction was dated XX/XX/19. I thought everything was resolved. THEN, I noticed Ally had cashed the other check on XX/XX/19 even though my Ally account has said paid in full. I called them ( XXXX again. ) They said they would issue a check in 10 days and mail it to me. This is not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

MT

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I recently reviewed my credit report and I observed that ALLY FINANCIAL are reporting late payments to all the major credit bureaus, XXXX, XXXX, & XXXX. This negative reporting has had a severe damage on my XXXX XXXX & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that ALLY FINANCIAL provide my physical proof that the alleged payments were in fact late as being reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Personal information incorrect
Complaint: Ally Bank verified incorrect address information on my XXXX reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response