Date Received: 2023-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As of XX/XX/2023 I stated I noticed a fraud account and the credit XXXX XXXX ALLY FINANCIAL claimed they did an investment but how is that possible when I never gace my written instructions ALL COMPANIES AND CREDIT BUREAS INVOLVED ARE IN VIOLATION OF THE LAW!!!!!! RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to reach Ally bank in multiple forms calling, emails and physical mail but I have get to get a response sent back to be other than an automated email that they received my email. I have requested multiple times for a response and have gotten nothing in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX called XXXX XX/XX/23 and spent near an hour going over access to my Alley Stock trading account page we changed my password and used several different log in accounts including Ally secure log in site none of them were successful in opening my account web page. I could as in the past log in as normal, however still would not bring up my account page display. XXXX was to do internal Alley IT work to reestablish my account and call me back. i have not received a response and my attempts to log in this morning are the same, still no access to my account. Would appreciate if you would ask XXXX to give me a call. This is a great disappointment in more than six weeks no access to my account. Reflects badly on Ally. Sincerely, On XX/XX/23 XXXX XXXX, Ally Invest wrote : XXXX XXXX Dear -- -- -, XXXX XXXX Thank you for contacting Ally Invest. XXXX XXXX I am sorry for the difficulties you are having with this. I can confirm that the case has been entered for you and is being researched. Unfortunately, we are not able to give a time frame for this as we would need to determine the cause before being able to apply a fix for it. In the meantime, if you have not already done so, please try opening the account in XXXX. The website is optimized for XXXX, so that may clear it up for you. > > Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you XXXX. XXXX XXXX Sincerely, XXXX XXXX XXXX Client Services XXXX Ally Invest XXXX XXXX XXXX XXXX, XXXX, NC XXXX > ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Made a payment with my XXXX XXXX for my travel needs and when I made a payment I was told by representative that helped me with my payment stated it will reflect on my account in 2 days. I followed up 2 days after which was XX/XX/23 and was told that they can not release the hold till 7 days!! I was advised that they can escalate due to I was misinformed of the rep that took my payment regarding payment process and send a proof of payment which was sent to secured messaging. I asked to speak to a supervisor to help me escalate my problem and confirmed thats they received my proof of payment. I tried to follow up again regarding payment and unfortunately the supervisor that helped cant do anythIng to help! Out of the 3 supervisors I talked to only one had the compassionate and understands my situation. I am leaving in a few days for vacation and still no response!! Very poor customer service!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, at XXXX XXXX XXXX XXXX sent me an email stating my account was in blocked status and that I needed to upload my ID to be verified. I uploaded my ID and the XXXX system said it was verified and that my account was then unblocked. On XX/XX/2023 at XXXX XXXX XXXX I received another email from XXXX stating my account was then blocked and permanently closed. I called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that my {$400.00} transfer that I initiated on XX/XX/XXXX was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. I called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because my XXXX was closed that it would not be sent back to XXXX. There is no reason XXXX should have closed my account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by me via my Ally account. I can prove I own the XXXX account and the Ally account. I want my XXXX account unlocked. I want my {$400.00} transfer to go into my Ally account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, at XXXX XXXX MST XXXX sent my wife XXXX XXXX XXXX an email stating her account was in blocked status and that she needed to upload her ID to be verified. She uploaded her ID and the XXXX system said it was verified and that her account was then unblocked. On XX/XX/2023 at XXXX XXXX MST she received another email from XXXX stating her account was then blocked and permanently closed. She called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that the {$400.00} transfer that I initiated on XX/XX/XXXX from Ally was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. XXXX called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because the XXXX was closed that it would not be sent back to XXXX. There is no reason XXXX should have closed the account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by XXXX and myself via our Ally account. We can prove we own the XXXX account and the Ally account. We want the XXXX account unlocked. We want the {$400.00} transfer to go into our Ally account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have my auto loan with Ally Financial, for about 3 years I have been paying my loans. All my life I never Paid anything late. During Covid I fell on hard times and I contacted Ally Financial and I requested a month of payment extension. The Rep. told me I qualified because I was sick with XXXX and was not able to make that payment. Ally fianc went and reported a late payment on my account because the rep. failed to inform me that in order to be qualified for the payment waiver I would need to pay half of the payment. This is malpractice of this company which they blamed me for it. They refused to take account for they rep. mistakes. This is just wrong and unethical. Despite my efforts to resolve this they simply refused to take fault for they staffs incompetence. I am trusting with Ally financial and now I am coming to you for help. This is causing me all kind of issues with approving for a mortgage. Agreement Number : XXXX Make : XXXX XXXX XXXX XXXX : XXXX Information : You can reach us by visiting XXXX or call us at XXXX ( XXXX ) Do not send cash or post-dated checks. All checks will be processed upon receipt. Make checks payable to ALLY. Return the portion below with your payment to the Payment Processing Center address below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Looked at credit report saw inquiries for things Ive never applied for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I called my finance company to ask about deferment/ extension for My loan for the month of XXXX. They approved me for the deferment. I made the payment amount they told me by the date they told me but they still reported it late to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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, XXXX XXXX, am writing regarding Account # XXXX. I request that you immediately send me my full refund check in the amount of {XXXX for my XXXX XXXX XXXX, XXXX :. Despite paying my account in full on XX/XX/XXXX, I still have a remaining balance owed to me. It is currently XX/XX/XXXX, and the XXXX business day timeframe promised has elapsed without me receiving the check. Over the past two months, I have repeatedly called to inquire about my refund, to no avail. Even after being informed that delivery was switched from USPS to XXXX Overnight, no supervisor has been able to provide me with a tracking number for my checks. Therefore, I request that you send me my check as soon as possible to resolve this issue. If I do not receive the check within the next XXXX business days, I will be forced to take legal action. However, I hope that we can expedite this matter and reach an amicable resolution without needing further measures. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A