Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of XXXX Ally Financal has made remarks on my credit file and then removed them. Also they changed the date of last payment which is inappropriate and inaccurate according to FCRA. They have changed remarks to my account that are not truthful and it dropped my credit score XXXX points. After I have disputed this account online line via XXXX these changes occurred which is a violation. They havent reported this account of date of last activity and date of last payment XX/XX/XXXX until XX/XX/XXXX through XXXX of XXXX this account has been marked up incorrectly and inaccurately decreasing my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX someone used debit card number to make fraudulent charges. Reported it and card was stopped. I was refunded the money. But after numerous attempts still unable to get replacement card. They say will mailed XXXX in XXXX to XXXX business days. The cards never arrived. Called back told same thing Have talked to several agents and supervisors XXXX has been 3 months and I still don't have a debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XXXX I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : Ally Bank, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My son used my credit card to make fraudulent cash advances. He used my phone to verify and authenticate the cash advances with out my permission and he is not an authorized user on my card. The date of the incident was XXXX and there were 2 cash advances each of {$300.00} and {$300.00} totaling {$600.00}. I explained the situation to the bank and was given credit for the amount while they conducted their investigation. I had the credit charges reversed and the Credit card issuer claimed it was me that made the cash advances even though during the 2 years I have had the card I have never made a single cash advance. I did not report my son to the police because I don't want him going to jail over this act, I hope the Cfpb can help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77345
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to bring to your attention a matter of concern regarding certain inquiries on my credit report that do not appear to be accurate. As a victim of identity theft, I have taken necessary steps to rectify the situation and protect my financial well-being. However, it has come to my attention that several companies have made inquiries that I believe to be excessive and potentially erroneous. I kindly request that you investigate the following companies in relation to the mentioned inquiries on my credit report : 1. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2. Ally Financial : - Dates : XX/XX/XXXX, and XX/XX/XXXX 3. XXXX XXXX XXXX : - Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 4. XXXX XXXX : - Date : XX/XX/XXXX Considering the circumstances surrounding my identity theft case, I find these inquiries to be excessive and potentially indicative of fraudulent activity. I request a thorough investigation into these inquiries to determine their legitimacy and ensure compliance with the Fair Credit Reporting Act ( FCRA ). Furthermore, I would like to emphasize the importance of ensuring a watermark-set signature for validation of my authorization to check my credit. This signature serves as evidence of my complaint and supports my request for inquiry removal. It is essential to protect consumers from unwarranted inquiries and safeguard their creditworthiness. I intend to contact the XXXX XXXX XXXX ( XXXX ) and the Attorney General 's office to seek compliance and support regarding FCRA guidelines if necessary. I appreciate your assistance in resolving this matter promptly and ensuring the accuracy and integrity of my credit report. Thank you for your attention to this inquiry removal request. I have enclosed a copy of my identification and any supporting documents that may assist in the investigation. Please do not hesitate to contact me if you require any additional information or if there are any updates regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I would like to file a complaint with the Consumer Financial Protection Bureau regarding a situation where I was deceived into signing up as the primary signer for a car loan for a very old car, with Ally Financial, instead of being a co-signer as originally intended. Both my ex boyfriend, whom I was co-signing for, and I had poor credit histories and low income. At the time, I was already paying off my own car loan. The lender 's decision to involve two individuals with inadequate credit in the loan agreement seems highly predatory and unethical. Throughout the loan term, I struggled immensely to manage the financial burden of two car loans, as my ex-partner refused to contribute to the payments. Only after my ex received a lump sum of money from COVID relief funds was the car loan finally paid off. Unfortunately, the repercussions of this experience have left a lasting impact on my credit, making it extremely challenging for me to obtain a new car or a home. I believe that the lender 's actions were not only predatory but also racially discriminatory, as they deliberately burdened me with a loan that they knew I could not comfortably afford, given my credit and income. Looking back, I regret not having filed for bankruptcy, as it would have allowed me to clear my credit by now. I sincerely hope that the Consumer Financial Protection Bureau can investigate this matter thoroughly and address the unfair practices employed by the lender. It is crucial that action is taken to prevent others from falling victim to similar predatory and discriminatory practices in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally Financial and their business partner XXXX XXXX sold me a vehicle, deceiving me about the value of the vehicle, ability to refinance, and my credit worthiness. They took advantage of my naivety, marking up the vehicle over 150 % above XXXX, promising me I'll be able to refinance 6 months later, and ensuring me the validity of a deal to ensure me in a contract that put me at a significant and long lasting disadvantage. This was confirmed sic months after the deal by the XXXX of the same dealership, who told me I was taken advantage of. Ally Financial knew this was happening and enable and participated in this fraud. I believe they did this because I was an XXXX XXXX XXXX woman, and discriminated based on my age and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78731
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I contacted Ally Financial about my auto loan that I fell behind making payments on during the pandemic. The car was repossessed after missing one payment, Ally Financial called me several times after repossessing my vehicle, harassing me to pay them. I explained the situation that I was in due to the pandemic and losing my job due to company closure. I called Ally a couple of months later asking how I could resolve the issue, they explained that they already charged the vehicle off and they have no record of the car being repossessed. This has damaged my credit as they have it on my credit as a charge-off, and now I have been without a vehicle for several months causing me to struggle with finding a job, and resulting in my hardly being able to pay my bills. The loan was halfway paid off when they decided to repo the vehicle. I owed XXXX on a XXXX loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to file a formal complaint against Ally Financial for their failure to comply with federal regulations, resulting in late payments on my vehicle loan and unauthorized disclosure of my personal information. I believe that their actions have violated important consumer protection laws, specifically 15 U.S. Code 1666b and 15 U.S. Code 6802. On XX/XX/XXXX, I sent a certified letter, bearing the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, to Ally Financial, requesting the removal of late payments from my account. According to 15 U.S. Code 1666b, a creditor must adopt reasonable procedures to ensure that periodic statements, including the required information, are delivered to the consumer at least 21 days before the payment due date. Ally Financial failed to fulfill this obligation, resulting in late payments in XXXX and XXXX of XXXX. These late payments were not my fault and should not have occurred. Furthermore, it is important to note that the original contract, which identified XXXX XXXX XXXX as the creditor, was rescinded on XX/XX/XXXX. Therefore, Ally Financial, as the current holder or assignee of the contract, is responsible for adhering to all applicable laws and regulations. Additionally, on XX/XX/XXXX, I sent another certified letter, with the Certified Mail Number XXXX XXXX XXXX XXXX XXXX, explicitly requesting that my personal information not be shared with any third parties, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, or XXXX. This request is in accordance with 15 U.S. Code 6802 and The Privacy Act of 1974. As a customer of Ally Financial, I have the right to control the disclosure of my personal information, and I explicitly stated my desire for it not to be shared. I am deeply disappointed by Ally Financial 's failure to meet their obligations under the law, both in terms of the timing of payments and the unauthorized sharing of personal information. These actions have not only caused financial harm but also infringed upon my privacy rights. I expect Ally Financial to rectify these issues promptly and take appropriate measures to prevent similar incidents in the future. In light of the aforementioned violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement actions against Ally Financial to ensure compliance with federal consumer protection laws. I also request that you keep me informed about the progress of this complaint and provide me with a copy of any findings or resolutions. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect consumers and ensure that Ally Financial upholds its legal obligations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally auto bank misleading customer service team with their Total Loss department. I had a total loss car on XX/XX/2022 due to Hurricane Ian. The car was flooded and was a total loss per my auto insurance company. The car had GAP insurance also. Once both claims had paid their claims due to the total loss of car, there was a balance of {$1400.00}. When I spoke with Ally auto bank they reported they were still waiting for refund from the dealership for the warranty and road taxes. Then I received a delinquent on my credit report. I phone the dealership and they stated the refunds were sent. Call Ally to find out where the balance was from, the said that that was the remaining balance which I was responsible for. If the representative would of told me that I would of paid the balance but instead they said they were still waiting. I then paid balance and the account was closed due to being paid in full. The account was taken care right away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34287
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A