Date Received: 2023-05-23
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 have been trying to get this Derogatory off of my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof what I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
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 sold my car at beginning XX/XX/. The new owner informed me there was lien against the car by Ally Finance per XXXX. XXXX stated an Lien Release should have been sent out. The car was paid off XXXX XX/XX/2023, I contacted ALLY Finance about the lien against the car, not receiving any paperwork stating it was paid off or Lien Release . They state they did not know why it had not been release and they would send paper by mail only. They would have to mail it taking 10- 12 business day. After waiting the informed time, I call back numerous time and was told it was sent out in the mail. An letter was received on XX/XX/2023 stating car was paid off. On XXXX, I took copy of title and letter to XXXX. I was informed the letter received was not a Lien Release. A basic letter stating car was paid off without the require Seal/Stamps and not acceptable by XXXX. I call back to ALLY Finance and they pretended to not know why this letter was unacceptable by XXXX and they would just send out another letter in 10- 12 business days. AT this point the car has been returned back to me. the tags have been return to XXXX and there is not insurance on the car. ALLY Finance has refused to provide the Lien Release for the car and XXXX is suggesting I go to another location and speak with someone about this issue, but there is no location in my area.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ally Financial XXXX XXXX XXXX This company has been calling a number belongs to an elderly family member whom is not included on anything regarding my loan on the vehicle. Therefore they do not need to be involved or contacted with ANY of my information. I realize my payments have been behind but I am making them as I am able to. I do not know how they found this member 's phone number but this is absolutely uncalled for and an invasion of my privacy. I want it stopped NOW.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 250XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was looking through my inquiries and history information when I came across a couple hard inquiries from XXXX XXXX XXXXAmong these included XXXX XXXX, XXXX XXXX XXXX XXXX, Ally Financial and XXXX. I didn't consent to these inquiries, and have no idea as to why they were all pulled. The 2 times I allowed this was in Summer of XXXX for a XXXX XXXX and XXXX of XXXX for a XXXX XXXX. It lowered my credit by a XXXX points, which is not much, but still.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78574
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am a 100 percent XXXX XXXX veteran as proven by the attached document. Ally has been trying to bully me into paying them more money after we already finished the lease agreement as everything showed a paid in full on my credit reports. Keep re-ageing the account and adding false information to the CRAs that I now owe them over XXXX! Previous credit reports showed that this was paid in full, now they are trying to push me to accept paying them an installment loan for debt that is not mine. Its very weird behavior. They have had the car for more than 4 months, now they come trying to scare me into giving them money. The keep harassing me with letters and have even called me, texted me and sent emails. I have no further business with them and wish to receive relief from these predators. They are affecting my already diminished health. I have not seen a bank so determined to exploit someone. Its almost like they don't know that I am educated in XXXX, and have excellent XXXX skills. I am exhausted with their harassment and I need relief. Also it should be updated to show that I was never late! They knew this and agreed to correct it during COVID! My identity was stolen and one of my accounts were closed. I was in the hospital for 4 months outside of the country. They understood that Federal law allowed for relief but decided to not be compassionate with me and update this account as they have done for others. I hope its not discrimination! Please have this bank stop trying to use consumers as a tax payer funded bailout! I am begging Ally to please cease and desist. Please delete this record, and do something else to try and fix your financial situation. Stop trying to take from poor and XXXX veterans! What you are reporting is not accurate! I never gave you permission to report it! There is no written signed agreement with a wet signature that you can provide showing that I agreed to whatever you all are trying to do now, 4 months after we concluded business. Pleas escalate this to a manager and I pray he or she has compassion and just stop this. I am not well and can't keep dealing with this.. please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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 XXXX XXXX Date of inquiryXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry:XXXXXXXX XXXX Date of inquiry:XXXX ALLY FINANCIAL Date of inquiry:XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a CD with Ally Bank in XX/XX/XXXX. Originally, I was promised to have 1.6 % saving interest rate. However, I was never paid for that rate. Then, I asked to close my CD in XX/XX/XXXXXXXX and experienced trouble to close my account. I mailed my closing account request three times but still not closed and received no. Then, I started to call Ally customer service and I was put on Fraud Alert. Then, I was limited to talk to Fraud department. Every call took me at least an hour. I had made at least twenty calls. During every call, I was first verified by customer service, then fraud department and then rerouted back to customer service and then rerouted back to fraud to prove my identity or vice versa in process. Then after 2 weeks, I was finally asked for my bank account and Ally made a verification deposit to my bank account. So, I called Ally Bank to provide those deposit amount to verify my identity. Then, I again had to experience the marathon phone call process. Upon today, I still can not close my account. I had been given various excuses for not being able to close and went to many scam by Ally Bank to refuse to return my CD amount. You can contact me at XXXX XXXX XXXX Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my paycheck online to find account. I was told I would then have a virtual card, but this was not the case. I'm an effort to access funds needs for essentials, I attempted to move funds using XXXX. When I did this my account initially was frozen and after a heated phone call, I was hung up on and my account was locked. I believe this was a punitive action by associate upset by my call. They were given information needed, but called and would not provide adequate information for my company payroll department to verify which escalated further in ally fraud department. They have indicated that even if check clears, I will not have any access to funds until they have " evaluated '' and verified my account. I have provided them with all information they have requested. There has been no indication when nor how a decision will be rendered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Original Complaint No. XXXX My initial complaint was that Ally Bank refused to remove access to XXXX and XXXX XXXX XXXX XXXX online accounts. This is not true, and the issue remains unresolved. I received the attached response stating that as of XX/XX/2023, my XXXX privileges have been permanently revoked and I no longer have access to XXXX and XXXX XXXX through Ally Bank. I still have full access and use of the services through my Ally Bank account. I am again, directing Ally Bank to permanently remove access to the services through my accounts. The response falsely states that I enrolled in these services. I have never enrolled in, or activated XXXX or XXXX XXXX through Ally Bank, directly with XXXX, or through any other third party. I have not agreed to the terms concerning such, detailed in the Ally Bank Online Banking Services Agreement, Version 27.0, effective XX/XX/XXXX which only applies WHEN YOU ENROLL in one of these services. XXXX to the services was automatically added to my accounts without my enrollment, knowledge or consent. Clicking on XXXX or XXXX XXXX to see if it can be used through my account does not constitute enrolling in the service. Allys response concedes that I was able to access & use XXXX on several occasions subsequent to their claim that access had been permanently removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a master card with OLLO and on XX/XX/2023 my wallet was stolen while at XXXX XXXX grocery store and immediately thereafter the thieves used my credit card, went across the street to XXXX and charged {$500.00} for presumably gift cards. OLLO notified me immediately that the charges were suspicious and I confirmed this and told them the card was stolen. The store manager confirmed on their video two men stole my wallet out of my purse. I filed at XXXX 's report immediately and they were going to XXXX to look at the videos. OLLO said that only two of the charges went through and then the others were attempted but denied. I have been talking to OLLO customer service and fraud dept at least every week to get this resolved. Finally they said today that they are sending me a letter reversing only two of the charges even though I was charged for four.Previously when they told me this I sent them a screen shot of my statement showing that {$500.00} was charged 4 times for a total of {$2000.00}. Today the fraud services person actually confirmed this when we went through the math but still refused to say I wasn't charged. I'm very frustrated with them and would drop the card except they are being bought out by Ally Bank ; a more reputable one but I don't want to have to deal with the new bank and want OLLO to settle this. It's been almost 2 months! Hopefully you can resolve this for me. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A