ALLY FINANCIAL INC

2018-08-14

Valley Glen, CA

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-08-14

Glendale, CO

Incorrect information on your report

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

Account status incorrect
Complaint: I had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-13

Shelby Township, MI

Incorrect information on your report

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

Account status 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

2018-08-13

TN

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
Complaint: I was to CO-Sign for my son on an auto loan at XXXX XXXX in XXXX Tennessee. I live in another county and spoke to the salesman who i did give consent to do a credit check, but now have 7 HARD inquiries on my credit. This was not explained to me that they would use my ss in this manner and then when I got to the place to check on paperwork I declined to sign for the existing loan at 20 % and they had it in my name as primary. We went to XXXX and got a loan at 4 % and Co-signed for my son. This practice of making multiple hard inquiries even at credit unions where we did not have accounts is damaging to my credit report and an unfair practice. All of the inquiries were from XX/XX/2018. Please let me know what can be done to fix this. I am making this edit at the very end as there are 4 more companies involved that the computer system did not allow me to enter. Those are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-13

Arsenal, PA

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

2018-08-11

Columbia, SC

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS certified receipt shows Ally received my letter on XX/XX/2018. After 30 days from the receipt of the validation of debt request, I received no response from Ally Financial. On XX/XX/XXXX I sent a follow-up letter demanding the inaccurate unverified information be deleted from my credit reports due to the violation of the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS receipt shows Ally received this follow-up letter on XX/XX/2018. Again Ally failed to provide me any verification or validation of the debt as required by law but did not delete the information from my credit reports. My complaint with the CFPB and intent to sue Ally Financial is based on the blatant violation of the FCRA Section 623 ( a ) ( 1 ) ( A ) by ( 1 ) Failing to validate the debt in question while continuing to report to the credit bureaus. ( 2 ) Verifying an account with the credit bureaus before my request for validation has been completed. ( 3 ) Knowingly reporting inaccurate, invalidated information .Documentation 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

2018-08-11

Euclid, OH

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with additional add-on products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-11

MO

Improper use of your report

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

Received unsolicited financial product or insurance offers after opting out
Complaint: I have credit inquiries that i didn't authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-11

IL

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to Ally and XXXX to report that this matter was STILL on my report in XXXX which I created a dispute. Ally turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called XXXX asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to XXXX and they referred me to your website for help. XXXX agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help 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

2018-08-10

Scottsdale, AZ

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Complaint: ON XX/XX/XXXX FOUND OUT COMPANY WAS REPORTING ME LATE FOR XX/XX/2018 PAYMENT - INACCURATE AND I CALLED AND THEY CONFIRMED. THEY SAID THEY WOULD GET THIS HANDLED. AND I WANTED A LETTER CONFIRMING THIS AND THAT THEY WOULD FIX. I STILL HAVE YET TO RECEIVE THIS LETTER EVEN THOUGH I HAVE CALLED 10 TIMES AND DONE ONLINE CHATS. PROMISING 24-48 HOURS FOR A LETTER. THE LETTER IN WHICH I WOULD USE TO GIVE TO MY MORTGAGE LENDER AS I AM TRYING TO REFINANCE AND THIS IS HOLDING UP THE REFINANCE. I CALLED ON WED AGAIN XXXX AND THEY SAID 24-48 HOURS WHICH IS TODAY AND NOTHING. I NEED THIS FIXED. AS A COURTESY THEY ALSO PROMISED THEY WOULD REMOVE XXXX 'S ( XX/XX/2018 ) LATE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-09

Dallas, TX

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
Complaint: ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-09

Rochester, NY

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Talked to a third-party about your debt
Complaint: Good Morning, I have repeatedly requested my creditor Ally Financial not to contact the certain phone numbers. I provided the phone numbers that I did not want them to contact. Upon speaking with the representative they advised the numbers were marked do not call, and removed from their system. I have made this phone call on at least 4 separate occasions if not more. The last time I had this conversation with them was approximately 2 weeks ago, I requested a manager give a call to me to discuss. I haven't heard back from anyone. I also submitted an email to try to resolve-I have received no response via email. If a customer requests that a number not be called, and it still happens that is a violation of the. I don't know how to make them stop. It has been embarrassing because they are calling people who they should not. I don't think a creditor has unlimited rights to harass you to collect a debt. and the sad thing is I have been in constant communication with the creditor, there is no need to call someone else to reach me. I consider it a form of harassment Please contact me at XXXX to discuss further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-09

FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: XX/XX/18 Received phone call ( not robo ) from " XXXX '' who asked for me by name and left voice message asking me to call back regarding a person named " XXXX XXXX '' Asked me to call back at : XXXX ext XXXX. The phone # used to call me is : XXXX XX/XX/18 I called back using XXXX, spoke with " XXXX '' who asked for my account # or SS #. I told him I didn't have an account and wouldn't give my SS # over the phone. I asked what company : it was Ally Financial. I asked what the call was related to and he said auto loan. I said I didn't have an auto loan and asked what this was related to. He said " XXXX XXXX '' I told him I would report this and asked for further information. This is what I got is : Ally Financial XXXX XXXX, Manager XXXX XXXX XXXX XXXX, Minnesota XXXX Phone : XXXX Web : www.allyfinancial.comXXXX Email : not given He said he would remove me from his call list.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-08

Dacula, GA

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

2018-08-08

Katonah, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-08

Boston, MA

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

2018-08-08

Vancouver, WA

Opening an account

Checking or savings account: Checking account

Unable to open an 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

2018-08-08

Laurence Harbor, NJ

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

Timely Response

2018-08-08

Billerica, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/2018, I was charged a {$10.00} fee by Ally Bank for my 7th withdrawal from my Savings account. This 7th withdrawal was an automatic sweep to my checking account to cover ACH debits coming out that morning because there were insufficient funds in my checking account to cover said ACH debits. However, I had ACH credits that posted subsequent to those ACH debits that would have covered the ACH debits the morning of XX/XX/2018. Since I had ACH credits in an amount that would have fully covered the ACH debits, I am requesting a refund of the {$10.00} fee I was charged. It seems to me that processing ACH debits before credits is a predatory " order of operations '' practice to squeeze the consumer out of more of his/her hard earned money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-08

Indianapolis, IN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-07

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

2018-08-07

Clayton, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Disputed with the company on XX/XX/18. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-06

Orlando, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-08-06

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

2018-08-06

Columbus, GA

Incorrect information on your report

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

Account status incorrect
Complaint: XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. XX/XX/XXXX is was updated to show open XX/XX/XXXX. XX/XX/XXXX they both show closed again on Experian.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response