Date Received: 2023-06-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In or around XXXX or XXXX I owed ally bank XXXX dollars I did an external funding to fund my account it was put in the wrong account twice. Ally bank was rude They made the mistakes. They closed both my accounts fir less then XXXX dollars I tried num6times to fix my accounts and it was dilerably put in the wrong account twice I asked them to pull the calls They lied and did not do an investigation They did this cause I'm XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an auto loan through Ally. The car was totaled and I was told the gap insurance did not cover it. The account was sent to collection ( XXXX XXXX ). I called into XXXX and agreed to a settlement amount of {$330.00}, of which I would make a monthly payment of $ XXXX month starting XX/XX/XXXX. I set up automatic payments. The last payment was made on XX/XX/XXXX. XXXX never sent me any confirmation, nor did they send Ally confirmation and they are stating I still owe the entire balance. Please help!!! I have attached my bank account statement showing where I made all 10 payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26301
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Tuesday XX/XX/2023 I attempted to access my bank account at Ally Bank. I visited ally.com and input my login information. The website redirected me to this URL : https : //secure.ally.com/temp-unavailable The URL displays this text : " Request can not be processed We're unable to process your request at this time. Please us 24/7 for help. '' I called the help number at XXXX and reached a representative. The representative said : " we are experiencing a system-wide outage at this time our tech team is actively working on getting that resolved call back in 2-3 hours when we are expecting updates to be completed '' I waited a few minutes and tried again, but I get the same error message. There is no other option for me to access my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: All XXXX credit bureaus have refused to remove false debts off my report I have sent over XXXX letters explaining why and which XXXX on XXXX ally XXXX is reporting I owe thousands of dollars for a car that was a total loss and paid off in full by my insurance company and I almost had gap and all I got was back and fourth fingers pointed. Also XXXX XXXX is false reporting that want get removed off my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Re : Ally Auto Account Number ending in XXXX CFPB Number : XXXX See attachment with text message from XXXX, ensuring that contract will be updated. XXXX, Executive Customer Relations at Ally Bank is reporting that XXXX has reached out to me and that they have not heard back, I have text messages as proof that XXXX was sending me a new contract via overnight XXXX which they never did because the " manager is on vacation. '' It is factually incorrect that XXXX has not heard from me. Please resolve issue I have reached out to Ally today XX/XX/2023. I am writing to dispute the fact that Ally Financial is reporting my business vehicle loan to my personal credit. I was informed by the dealer that this was a commercial loan and that it would not be reflected on my personal credit. This deceitful act is in clear violation of credit reporting laws. This is in clear violation of the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that protects consumers ' rights to fair and accurate credit reporting. The FCRA prohibits creditors from reporting information to credit reporting agencies that is not accurate, timely, or complete. The FCRA also prohibits creditors from reporting information to credit reporting agencies that is not authorized by the consumer. In this case, Ally Financial is reporting information to a credit reporting agency that is not accurate, timely, or complete. Ally Financial is reporting a business loan to a personal credit report, even though the consumer was informed by the dealer that this was a commercial loan and that it would not be reflected on their personal credit. This is a clear violation of the FCRA.
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: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I SENT THIS LETTER TO XXXX XXXX XXXX. Since this debt was originally Charged off by the creditor Ally Financial charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY Ally Financial -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Location XXXX To whom it XXXX concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C XXXX XXXX Permissible purposes and XXXX CFR XXXX Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. I never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by Ally Financial which is a VIOLATION OF MY PRIVACY per The Privacy Act of XXXX ( XXXX XXXX XXXX ), including Statutory Notes ( XXXX XXXX. XXXX ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law XXXX XXXX XXXX Initial privacy notice to consumers required. ( a ) Initial XXXX 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The XXXX XXXX was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( XXXX, XXXX, XXXX ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication XXXX it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a XXXX and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. If XXXX XXXX XXXX. fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, XXXX XXXX _________________________________
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: In XX/XX/2023 I emailed Ally Bank, regarding my auto loan, asking for my payoff amount on my auto loan. Their customer service agents are bullies on the phone and not to be trusted. I received a letter, in the mail, from Ally dated XXXX XXXX, 2023. It gave me a payoff amount and further stated that it should be paid on or before XXXX XXXX, 2023. I paid this amount, in full, as instructed on XX/XX/2023. So I receive another letter from Ally dated XXXX XXXX, 2023. It states that I still owe on this loan account. Isn't the amount given in the first letter binding? Please see attachments below.
Company Response:
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: There is a difference between the amount that I got in the new loan and what was paid in the second company. I had a balance of {$22.00} XXXX with Ally my first lender. My second lander XXXX paid to Ally on the XX/XX/24 the total of {$22.00} XXXX Difference = {$590.00} There is a balance there that it counts on my second lender, but it was not owed on Ally. It was clear, and I was not informed how the difference occur and how it will be paid back to me or deducted from my second loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX I deposited a check for {$15000.00} into a new account at Ally bank. Within a couple days, my account was inexplicably put on some sort of suspension. I was contacted by both email and phone to resolve the issue. I called in multiple times and spoke to INCREDIBLY RUDE people in the " loss prevention '' office. I told them multiple times two things : 1 ) my husband has to assist me with finances and he had to be on the call and 2 ) I am on the XXXX XXXX. Instead of offering any semblance of understanding and compassion, this instead seemed to irritate them further. To date, and despite the fact that I called in and answered their absurdly probing questions about the source of the money ( XXXX XXXX via my husband 's company for which I performed work and was being paid ), they continue to not convey access to my money. If this hold continues, I'm contacting legal counsel and pursuing action under any statute we can find, including americans with disability act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I arrived at XXXX XXXX in XXXX on XX/XX/2023 with a full approval from XXXX XXXX to purchase a vehicle. I specifically told the salesman I did not consent to a hard inquiry to my credit nor did I want to discuss any other financing options besides what I was already approved for with XXXX. The salesman asked me to confirm my information with a signature to just verify the XXXX deal within their portal. I once again stated I did not consent to any hard inquiry of my credit. Despite this, the dealership processed a hard credit pull and sent to Ally Bank who also processed a hard inquiry on that same day. When meeting with finance I repeated I was not interested in any deal other than XXXX and the deal was finalized with my approved chase offer already in place. The next week while reviewing my credit I saw the XXXX XXXX and Ally hard inquires to all XXXX CBRs. When I contacted the dealership I was told well that salesman is new and there is nothing we can do about it now. I believe this to be a UDAAP violation for deceptive practices and would like the hard inquiries I did NOT consent to removed from my credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A