Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I did sign a piece of paper that XXXX XXXX XXXX will ask for identification to confirm how I am and that is all I signed, once. Also stating that it is XXXX XXXX XXXX I am applying for a car loan with. After spending about XXXX minutes hearing XXXX XXXX jiggle all the numbers around in loan offer I finally got up and went home. When I returned home, I seen that there are XXXX other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the mailing it shows that XXXX XXXX had slipped XXXX other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX XXXX XXXX it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX discloses to me. I was not told of any other bank my word of mouth nor by paperwork. I find that what XXXX XXXX did was deceitful into doing XXXX thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize may i remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements does not show he was checking another bank. Also when I went into the financial office XXXX XXXX had everything ready for me. Which means he made XXXX bank loan offers on his own without my permission while I was waiting in the lobby to call me in
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I filed for bankruptcy in XX/XX/2022 and the bankruptcy was discharged on XX/XX/2022 ; signed by a Judge. I had 2 vehicles that was included in this bankruptcy that cleared both debts with the vehicles. Both of my vehicles were pick up as Repossessed and Ally Financial has sent me a letter stating that I owe the Deficiencies. This is unacceptable and is in violation of the GA law on Bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair creditor reporting act this creditor has violated my rights. under 15usc1681 section 602 states i have the right to privacy. 15usc1681 section 604a section 2 it also states that the consumer report agency can not furnish an account without written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an opened consumer credit report payment 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: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was never late. I paid my first and second payment through my bank. Ally started calling me in XXXX along with letters demanding a XXXX XXXX even though my payment cleared my bank. I have paid every month up to date. Ally ordered a repossession of my vehicle unless I paid cash through a XXXX XXXX. They took my XXXX to an Auction Site in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. Ally keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. This is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/XXXX, I was invited to dealership ( see address of dealer below ) for purchase of newer vehicle with option to trade in the vehicle I bought from ( XXXX XXXX XXXX ) on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Application Number : XXXX Re : Adverse Action Letter XX/XX/XXXX When I arrived I was asked, " Do you want to trade in your old vehicle? '' I stated " No '' The salesman stated, " without a down payment, no bank would approve you. '' I asked, " Do XXXX XXXX have consumer financing? '' Salesman stated " Yes, however due to your current loan, your amount past due and loan amount owed, no bank would approve you. '' Salesman asked, " What is your credit score? '' I stated, " I'm unsure, but I'm only here at this location because you sent me a car invite advertisement via email and I'm willing to extend consumer credit '' Salesman picked up the phone to call financial institute my vehicle is financed through, asked my social to access my account. Once he obtained information he was inquiring about he looked at me then looked away and smirked. I asked, " Can we start the application process? Car salesman, then stated, " I'm just trying to figure out how you're going to get that payment down '' He giggles. Get up out of chair and say, " I will be right back. '' He returned and request to see the vehicle I informed him " I did not want to trade in. '' He takes photos, and photos of mileage. We returned back to his desk. He went back to speak with office manager. When he returned, I was informed... Unfortunately, we can not approve you. I left completely discouraged. On XX/XX/XXXX I returned to XXXX XXXX XXXX, after receiving another email invite and thanking me for my recent transaction. However, I endured the same experience if not worse. I was discriminated against again! I returned, I was clear and precise about only running my credit once. I explained the reason for my visit and my goals. I do not want to leave the dealership with multiple unauthorized inquiries. Inquiries I have no benefit from consumer transaction. Salesman agreed. I we started the application process via paper. I informed the salesman I wanted to extend consumer credit. Salesman agreed and verbalized understanding. During application process, salesman started asking me questions about religion and other personal questions. Like ; why do I need a vehicle so big, what was I going to use the vehicle for etc.. I felt SO uncomfortable. I couldn't speak up unless I was ready to be attacked and or kicked out for standing up for myself. He returned and stated I would need a down payment. I asked, how much was I financed for. The down payment can be included in my finance charge. He did not respond. I informed him again, this was a " zero down consumer transaction. '' He stated, " Here 's the deal. We can not give you a vehicle like that due to your credit. '' I tried to inform him of my consumer rights citing 15 U.S.Code 1602 ( a ), U.S.C 1691- U.S.C 1692. I also asked salesman to review 12 CFR 1002. Informing him this is discrimination, the email sent to me was deceiving, unfavorable practices. When I tried explain the illegal, misinforming practices within XXXX XXXX, I was ignored. I stated my contract created was breached and a fraud contract. I explained how : - How I was denied and lied to about the rescission process. Denied information and informed there is no department of rescission. - I never received any information about rescission before or after leaving dealership as well as other issues that happened with vehicle I purchased the vehicle XX/XX/XXXX. I was ignored, and then another salesman approached me and became verbally aggressive with me. Speaking loud over me and telling me to have a great day. I asked for XXXX and was denied. I started citing codes from TILA, CFPB, FTC, XXXX and they attacked me more. I asked for the managers business card and was denied. I left again feeling lesser than before. My rights had been violated. I was not given any other options and I have not just " soft inquiries '' but hard inquiries now. I couldn't stop because I need a vehicle, I have to work. I knew if I go car shopping I would continue to be discriminated against due to my credit. I was the only XXXX person in the dealership and felt out of place. I received an Adverse Action Letter from ALLY BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally bank holding funds Used electronic means to make a transfer to my savings. Bank holds for up to 3 days! Supposed to be available next business day Then they say may be available END of businesses day, WHY??? So they can use it?!?!?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 ALLY FINANCIAL Inquired on XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: There was a charge made by XXXX XXXX XXXX XXXX XXXXXXXX out of XXXX, VA for {$2700.00} on my Ollo card and when I attempted to dispute this as fraudulent XXXX XXXX is still refusing to return the funds. I contacted XXXX XXXX XXXX and Ollo and nobody can provide me with any of my signatures, any document with my name on it either. I've attempted multiple times to resolve this issue but I am not getting any luck. I hope XXXX XXXX will be able to resolve this huge amount made on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/, I spoke with XXXX from Ally Financial. I was informed my vehicle was in repossession status and I had three options. XXXX. To refinance my loan XXXX. Sell the vehicle XXXX. Allow Ally to repossess the vechicle. I knew with allowing Ally to repossess the Vehicle that my credit score would be severely impacted. So, I applied to refinance my loan which due to covid and the lack of work, my credit score was not in any shape for refinancing. Extremely overwhelmed, I called Ally back the next day to work out a settlement deal that was more feasible for me. I only owed XXXX XXXX on my vehicle and knew there could be a payoff request I could make. Ally offered to drop the amount to {$9300.00} and once payment was received by Ally, Ally agreed to settled the account. Ally also agreed to send me a letter for the credit bureaus noting the account was paid in full, the account was in good standing and to remove any negative impact in which the account currently had off my credit reports. I received the letter from Ally dated XX/XX/XXXX XXXX XXXX which did not state the removal from my credit report. The letter I received stated nothing close to what was agreed upon. Ally received my payment as promised and failed to comply with their agreement. Due to Ally failing to comply with the agreement, it has been detrimental to my livelihood, causing me enormous levels of stress due to my credit report having such a large delinquent on it from Ally. I have made several attempts to resolve this matter with Ally but to no avail has it been rectified. Ally received payment as promise once we agreed to settle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A