Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 ALLY FINANCIAL Date of inquiry : XXXX/XXXX/2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/2023 my wife made a payment mistakenly to the wrong account as she is XXXX and we have 2 of the same branded vehicles with a XXXX in the name, I typically make all payments on both accounts, however I am a XXXX XXXX and I refuse to text and drive by any means! I checked to see if she made it on the correct account and saw it was for the second vehicle. Called Ally Financial and they talked to me for 35-40 minutes coming to a resolution in which they will apply that amount of XXXX ( regular monthly payment ) from one account to the other, and told me if anything was reported to the credit bureaus to simply call back and they will help me get it off. However they called back 11 days later saying they changed their mind and now they dont want to do it the way that we agreed. I was lied to and I even have a recording of the phone call for my personal records just in case they tried something like this. They also have a recording from that exact phone call XX/XX/2023 in which I asked them to review but I have not yet heard anything about the review process Please help make sure that they are held responsible and not to mislead consumers by telling them one thing and changing there minds 2 weeks later
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a loan with Ally Auto. I did not receive any statements, late notices, or could even access payment history or a balance on their website, yet they reported me 30 and 60 days late. Again, they did not send any notices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60560
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
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: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: hi My problem Is with two finance company ally finance and XXXX XXXX XXXX last year on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I bought two cars one from XXXX located in XXXX CA XXXX XXXXXXXX XXXX limited {$4000.00} DOWN PAYMENT and another one from XXXXXXXX XXXX XXXX in XXXX Ca XXXX XXXX XXXX {$7000.00} DOWN PAYMENT I was using both cars for my business. earlier that year I got divorce and my ex-wife moved out and my kids staid with me and I was dealing with their day to day stuff my daughter XXXX XXXX XXXX and my son XXXX XXXX XXXX so when I got those cars after one or two months my ex-wife gave me hard time on finance section and because of that I had to down grade my business which it was renting cars I was using turo application to rent out my cars which I had 5 cars listed there so I had passive income while I was taking care of my kids.after down grade I kept these 2 cars I bought and I spoke with both finance company and explained them the situation so at first I was one month behind payment so I was making payment but one month behind starting XX/XX/XXXX every day I was getting phone calls from both companies with all deferent numbers every single day they were keep harassing me and giving me hard time so after while I stop answering them only reason I stopped because everyday they were calling me so how many times I had to explain them my situation also I was making payments it was not like I was not making payments. I have their all voice maills and numbers even one time I asked the customer service regarding those number and they said non of them belongs to them! these are all the numbers they used Ally XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so on XX/XX/XXXX I made 3 partial payment to ally finance which the amounts was {$170.00} {$200.00} and {$600.00} and somehow two of them after a week got returned and I did not know about it so because they returned my payment so tactically I got behind more payment and they could repossessed the car also earlier on XX/XX/XXXX i got hit by another car so they car was at body shop and even they call the body shop and harassed them and wanted to take the car from bodyshop so since earlier they wanted to take car while I was paying. I have the statements. so on XX/XX/XXXX XXXX they came to repossessed the XXXX XXXX did not fight or gibe them hard time I even gave them the key so when I woke up at morning I find out my XXXX XXXX got repossessed as while and I was shocked because like a week ago I spoke with them and everything was fine so I was wondering who add a order on the site in order to make the repossess company to take my car because I was 100 % sure it XXXX not from XXXX consumer because I spoke with the costumer Service one week before that so I have a latter from XXXX XXXX XXXXXXXX XXXX they took the car by request of XXXX XXXX and XXXX! I do have all their letters they send me. also after repossession they told me they will sell those cars and I might be own them again so now they sold my cars for way cheaper price and both finance company now telling me I own them XXXX XXXX and ally {$7900.00} they both took everything from me I lost my down Payments and those monthly payments I paid plus because of their actions my credit score went down from XXXX to XXXX now so I lost may capital plus bad credit score i can not do anything right now i can not get approval for anything or even buy stuff because they took all my money and my cars and damaged my credit score. I have all letters and phone calls and voicemails recorded to show somehow they force they way to do all those stuff to me.also both of them blocked me from accessing my account online all these files I have they are from before that. please help me out I'm right in middle of an divorce while I have XXXX kids to take care of and dealing with all these disaster they brought to me. thank you I will upload some of the documents If you need anything just let me know I will upload them or email them to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 910XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a purchase XXXXXXXX XXXX XXXX, the company I made the purchase through XXXX is believed to have shutdown their business. I began a dispute due to not receiving my product from the company and since the bank ( ally ) shows it as an authorized transaction they will not follow through with the chargeback. I would go through the company but they are no longer responding to emails and going to my bank was my only other option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : 3 XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the 3 tickets to my XXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. Ally portion : On XX/XX/XXXX around XXXX XXXX XXXX contacted Ally bank and raised a dispute for this fraudulent {$900.00} charge. XXXX asked for a provisional credit while the dispute was in process and was informed that any provisional amount would only be credited after investigation. The investigation id at Ally is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Didn't receive terms that were advertised On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website https : //www.ally.com/getpaidWe Here are the basics of the promotion. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} of New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX If youve followed the eligibility requirements, we will pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. So according to the terms, 1. I opened a new Money Market account on XX/XX/XXXX using the offer code 'getpaid ' on ally bank website. 2. I transferred {$10000.00} into my new Money Market account on XX/XX/XXXX. 3. I kept the {$10000.00} through XX/XX/XXXX. I did not receive my {$500.00} bonus on XX/XX/XXXX. I still have my Ally Money Market account open. Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus but I didn't get the bonus as promised on XX/XX/XXXX. I contacted Ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7 business days to investigate. But I still didn't see the bonus after 7 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than XXXX people having this issue and they don't know when my case will be reviewed or how long it would take to resolve. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received my bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14626
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: During XXXX after my military service I was trying to adjust and requested lower payments or forfeit the loan or sale and was denied any accommodations. They NEVER picked up the car and kept charging interest and other charges after I moved and left the state and they failed to communicate and assist with a resolution as I was in a financial strain it seemed easier for them to keep charging me and now they have sold the debt and not taking accountability as I worked hard to work the situation out even from another state for almost 1 year. This company isn't operating ethically this game almost seemed deliberate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
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: From the months of XXXX of 2021 I was in transition of jobs got diagnosed with XXXX and fell behind on everything as a single man. When I spoke with the rep/ debt collector via phone call he stated that we could place a freeze on the card to prevent further transactions and as long as I was able to make the agreed upon payments and became current they would remove the late payments. I held up my end of the deal and Im having a hard time getting the team to remove those late payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A