Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2024 I sent an Identity theft letter to XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. I have not received a response nor has XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on XX/XX/2024 and an updated FTC identity theft report. To my understanding, according to FCRA, debt collectors have 30 days to respond to disputes and requests made by the consumer. XXXX XXXX XXXX, ALLY FINANCIAL, ALLY FINANCIAL. have not made one call or sent one letter in regards to disputes I've mailed to them. This is a direct violation of FCRA Section 611 ( A ) ( 1 ). Which is punishable by up to {$1000.00} in fines per violation. If any disputes per the consumer 's request are not met with proof or verification within the requested and lawful amount of time, this account is to be deleted from the consumer 's report, as by lack of response and documentation requested signifies that this account is unable to be validated or verified. This Lack of validation per the consumer request is in direct violation of FDCPA Section 809 ( b ). Attached are the letters I sent plus my updated identity theft FTC report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit reporting act, this creditor has violated my rights : Under 15 USC 1681 Section 602 states : I have the right to privacy. Under 15 USC 1681 Section 604A section 2 also states : a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally bank only allows payment via their app, their webpage, or by phone. If you make a payment by phone, they charge an additional fee for the payment. I attempted to create an online account at their website to pay my first payment. The website did not recognize my password, and locked me out. I called customer service to unlock the account. They issued me a " temporary password '', but while I was on the phone with them, I used the temporary password, and it did not work. They informed me that their password portal is not working at this time and they are unable to give a timeframe when it will be working. They then told me the only method to pay my account was by phone, via a third party, and that I would be charged an additional fee to make my payment. They told me if I called them back after the payment was processed, they would credit this fee back to my account. How on earth is this legal? They offer limited options to pay the account, then when those options don't work, they force you to use a system that charges extra fees. If you don't want to do it their way, they will give you a negative report on your credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Getting the loan
Subissue:
Consumer Complaint: I originally contracted with XXXX for XXXX XXXX work. XXXX contracted with Ally to bill me in monthly installments but I expected a credit card. I contacted Ally about their billing but they referred me to XXXX. XXXX explained that it was in fact a loan and I would need to make monthly payments. They further instructed me to make an appointment for treatment. In XXXX, XXXX I had my first and only treatment which resulted in a severe adverse reaction. I then sought to terminate the loan because I had no intention of continuing treatment. I contacted Ally but they referred me back to XXXX, then XXXX referred me back to Ally. As a result I contacted the CFPB. Despite my dispute of the charges, Ally rewarded {$1700.00} to XXXX and sent me {$450.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Ally bank took over our credit card from XXXX XXXX in XXXX or XXXX. We never had any issues while with XXXX, which we had for years, and used the card in the exact same manner. As soon as Ally took over, my card started getting shut down approximately once every other month with no notification to me other than finding it denied when going to make a purchase. Each time, I had to contact the card company, waiting on extensive hold times. They informed me each time that it was shut off due to potential fraud because I was making multiple payments each month, paying off the card. Yes I make multiple payments each month, as I do not want to carry a balance and accrue interest. I have never had this issue with any other card. Each time I spoke with Ally, they guaranteed they were noting on my account to shut off that fraud prevention trigger. And each time my card has continued to be shut off. After performing some searches and reviews on the Ally bank, I found this issue is very widespread. At this point, based on the bank 's continued fraud trigger excuse, I allege that the card company is purposefully trying to dissuade consumers from paying off their card, forcing consumers to carry balances, in order to accrue interest. I do not know if this is illegal, but it certainly should be. I would have already switched cards, but I had so much set up on autopay, it would have been very difficult. Then sometime XXXX XXXX, my card was shut off yet again. I called and they claimed the same reason. However, this time they told me in order to get my card active again, I had to get them a letter from my bank. I spoke to the bank who firmly stated they would never give such a letter to a credit card company, nor should the card company request such a letter. I called Ally back, explained this, and they were miraculously able to get the card turned back on without a letter from my bank on XX/XX/XXXX. XX/XX/XXXX, the card was shut off yet again! For the same reason. I had made maybe a few purchases that had to go through due to autopay, and paid off the card, which apparently triggered it being shut off again. When I called back this time, they said it was on a 5 day hold required by their bank ( is Ally not the bank? ) due to the fraud trigger with which no employee of Ally could do anything about. This 5 day hold has never been required before. Waited 5 days and called back, still on the 5 day hold. Waited a few more days and called back, still on a 5 day hold. This 5 day hold lasted for several weeks with me calling every few days, until I finally gave up and filed a complaint through the XXXX. Ally responded to the complaint saying they were waiting on the same letter from my bank they had requested the previous time they had shut off my card, which turned out they did not need. I responded with the same response I had given previously, that their response was not satisfactory, that the bank will not provide this letter. I have not received another response from the XXXX complaint. However, when I called Ally back, they are no longer saying they are waiting on this letter, they are saying my account is under review, and there is nothing anyone can do about anything. So now my account has been under review since XX/XX/XXXX with repeated attempts to contact and many hours wasted on hold. Throughout this time, I have received NSF charges from various accounts who have tried and failed to be able to charge this card on file for autopay. I have now redirected all accounts away from this card. I have contacted Ally and advised them, i no longer desire the card to be reactivated, as you would think that is the problem. No reactivation, no problem, right? Nope. I just want to apply the many, many points I have accrued to the remaining balance, pay it off, get my statements, and close the account. Should not be difficult, right? Nope. They will not apply the points, they will let me pay off the card, but nothing else. I need my statements in order to file taxes. I do not have access to my online account, nor will they email me the statements. Why will they not even email me my statements? Those are mine which I would have if I had not enrolled in paperless statements. Those are my records; refusing my access to my records has got to be illegal. I am worried this will affect my credit, there is still no end in sight, plus I really need those statements. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Most of the information is inaccurate on my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent in a letter through the mail on XX/XX/24 for this company to update my information accordingly with the credit reporting agencies and never received a response on the matter so I am now requesting all responses be sent through this CFPB portal to keep record of all communication with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I fell and broke my XXXX before XXXX 2023. Emergency surgery and skilled nursing care followed for 7 weeks. My sons have stepped in to help me manage my affairs- both have POA. I did not remember my password for online access to Ally Financial and tried to many times before the account was locked. over the past 3+ weeks I have repeatedly contacted Ally Customer Service/Fraud protection to regain access to my account. I am now in an assisted living center and need access to my funds to meet my financial commitments until my house is sold. Yesterday I tried once again to validate my account and my identity so that I can make deposits and transfers to meet upcoming expenses. I have repeatedly been promised that someone from Ally would contact me to get me back online. Ally have been functionally unresponsive. I received an email stating my account had been verified and was available for use, followed a few minutes later by an email stating my account was under review and not accessible. Yesterday the fraud prevention department notified me that they are reviewing whether they want to continue a banking relationship with me. Well, they need not bother - I no longer want a banking relationship with Ally. Help me gain access to MY money that I need for daily living. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I'm paying much more for my car than it is worth. I'm currently paying for a car I can not drive. I have a XXXX XXXX XXXX. My original Balance was {$13000.00}. My term is 72 Months. It's been 25 months, and I've only paid off 21 % ( $ XXXXcurrent balance ). I should have paid off a third of the balance by now. I'm going to be paying this car off past the 72 months. I've already spent more than {$2000.00} in repairs since I got the car. I'm currently unable to drive the car because it's been deemed unsafe to drive and is estimated to cost another {$1300.00} to repair. That means that I'm paying at least {$20000.00} overall ( which will go up more due to interest ) for a vehicle that is 12 years old and not drivable at the moment ; I could have bought a new car for {$20000.00}. I've had to set up multiple payment extensions ( I'm currently on one ) ; on some occasions, an extension was denied. Customer service is impossible to deal with. I'm having a very difficult time with this car, and have gone into a XXXX XXXX because of it. There's no way a 12-year-old car should cost me over {$20000.00}. There's no way that after all the money I spent, I should be renting a car through the XXXX program , and paying {$330.00} a week, and being required to do a certain amount of rides with them, just so I could have a vehicle. So because my car is undrivable, in addition to my premium of {$290.00} a month and insurance costs, I'm spending {$330.00} a week ( approx. {$1300.00} a month ) to have a vehicle to drive. And because of the cost of XXXX and other expenses, I still haven't earned the money to fix my car. This is the most insane situation I've ever been in when it comes to a vehicle. The bottom line, I'm paying more than this undrivable vehicle is worth, and it's not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A