Date Received: 2023-07-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 several inquiries were done on my credit report from various financing companies for the purpose of an online vehicle purchase. One of the inquiries was done by XXXX XXXX, also know as XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX XXXX. # XXXX. I call the dealership in the month of XXXX a few times leaving messages for the manager. I have not received a call back after leaving messages. These were fraudulent inquiries, as I never tried to buy car online or had any of these companies run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than XXXX hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be XXXX inquiries from XXXX XXXX XXXX and it will NEVER be more than XXXX inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw XXXX inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only XXXX inquiries and I then told him that I can very CLEARLY see XXXX inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his XXXX XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales XXXX XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I phone the company more times than I can count. I asked them to reposses the vehicle in questioning and to stop calling me and other people who they assumed could get in contact with me. They were calling random family members of mine after I asked them not to do so. I was experiencing severe XXXX when I was asked by a family member to co-sign for a vehicle. I signed the contract under pressure from the sells and finance men. I even went back to the dealership two or three times after signing for the vehicle, only to be met with, the contract is legal and maybe after 6-8 months you can refinance and get your name off the contract. They were paying on my mental state, knowing I was severely XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I bought a XXXX XXXX XXXX at XXXX XXXX in XXXX California on XX/XX/XXXX. The purchase price was approximately {$21000.00}. At the end of my contract. The vehicle came to {$36000.00}. I do feel extra charges were added to my vehicle. I kept calling XXXX XXXX asking for my contract for the vehicle. After two months calling. They finally sent me my contract. That's when I found out the vehicle came to $ XXXXI was blind-sided. I have tried to call Ally Financial several times over the years. Many times I couldn't get in contact at all with Ally Financial. When I did talk to someone at Ally Financial. They never gave me a straight answer. I do feel they really overcharged me for the vehicle. Plus I believe XXXX XXXX new about the anti-theft alarm wasn't working right. Before they sold me the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To whom it may concern, On XX/XX/23 I made an ACH payment to OLLO, a credit card company, to pay off my credit card, which totaled {$3700.00}. When I tried using my card to purchase food at a grocery store, the transaction was declined. When I called OLLO, they explained my account was on " Restricted Mode '' because decided they wanted to flag my account for having made a large payoff transaction. They said " it was an unusual pattern. '' The number I have called is XXXX, where I was transferred to a " Dispute Engagement '' department. Upon speaking with a representative, they verified my information but claimed when they tried to verify if the my bank account through XXXX bank, my bank would not supply proper verification to their standard. This was very alarming since I have made many payments for up to a year using that same bank account. One representative stated I can fax or mail a letter of authorization to OLLO, then another representative stated " only XXXX bank '' can fax or mail a letter of authorization on my behalf. This is a type of client/attorney requirement that is unusual. This was confirmed when I spoke to a banker from XXXX on XX/XX/23, he stated that XXXX bank does not send or fax any such letter, that the only thing they can do is print out a " Deposit Account Balance Summary '' that shows my bank account number, name, and a stamp from the local bank where the document was produced. Today, I called OLLO and they refused to accept the only paperwork that XXXX can legally produce per their request. The OLLO representative insisted on a letter with specific words that XXXX bank does not supply any of their customers for account verification purposes. I believe the credit card company, OLLO, is not happy that I paid my account and they do not let me access my online account. Their claim that the payments may be coming from an unauthorized account is bogus as evident of today 's autopayment charge they made to my account for the amount of {$120.00}. If they were concerned about fraud due to the size of the payment, why did they accept it then restrict the account? If they are concerned they account I have been using for the last 12 months is not mine, how come they processed an autopay today? If they were really concerned for fraud, why did they still process the large payoff amount? Please help. Thank you so much for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93703
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My report shows about 15 missed payments on my vehicle however I still have the car and payments are current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My car was stolen in the month of XXXX and I was unable to make my car payments to my lender at Ally Auto due to the financial hardship I was then told that my insurance company XXXX was going to pay Ally Auto the remainder that I owed on the car due to it being totaled. XXXX was having issues with the adjusters and sent the check to them late but they stated they have received it and it shows clear on their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: an incident occurred where my personal information was stolen from the data and unauthorized inquiries were made on my credit. I noticed this fraudulent activity and immediately took action by contacting the affected companies. i never got a response. so i decide to start all over with the process.My XXXX XXXX was used to charge online
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: The XXXX XXXX miss my payments and put the account behind. Misses the credit system. Uses high interest rate and will not help the consumer with state programs or covid regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A