Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, I entered into an auto loan agreement with Ally Financial for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to Ally Financial. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with Ally Financial to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with Ally Financial, they ( ALLY ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. However, by XX/XX/XXXX, ALLY Financial reported a missed auto loan payment to XXXX, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted ALLY Financial. The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call ALLY again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX financial Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Company : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/2022 Company : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Here is a timeline events : XX/XX/2023 - Traded in lease for XXXX account XXXX to XXXX XXXX XXXX XXXX XXXX, Ohio XX/XX/2023 - Received call from Ally Financial that I was late on paymentI explained that I had sold the car the previous day. XX/XX/2023 - Received another call from Ally Financial stating payment was lateI explained that I had sold the car again. XX/XX/2023 Through XX/XX/2023 - Received multiple calls from Ally Financial stating payment was XXXX explained that I had sold the car again. XX/XX/2023 - called XXXX XXXX XXXX of XXXX, Ohio and they provided the following information about the payment : Check XXXX in the amount of {$44000.00} was sent to Ally Financial via XXXX, tracking number XXXX, received by Ally Financial on XX/XX/2023 at XXXXXXXX XXXX XX/XX/2023 - I called Ally Financial back and was directed to their collections department where I provided them the information that XXXX XXXX XXXX XXXX XXXX provided me. They noted this and I stopped receiving calls from Ally Financial. XX/XX/2023 - I checked Ally Financial website for my account XXXX. The balance reported was {$0.00}, listed as paid off and no longer past due. The payment was listed as a credit and a debit in the same amount of {$44000.00}. XX/XX/2023 - I received an alert on XXXX that I had a credit score drop. I checked and my XXXX score had dropped by XXXX points and I had a 30 Day Late reported by Ally Financial on lease XXXX. XX/XX/2023 - I logged back into my Ally Financial account and saw that it was Past Due again with a balance of {$19000.00} and 26 payments remaining. I called Ally Financial immediately and was told that systems were down a that they could not do anything. XX/XX/2023 - I received two more XXXX alerts that my scores had dropped. My XXXX dropped by 60 points and my XXXX dropped by XXXX points. XX/XX/2023 - I called Ally Financial again and spent 3 hours on the phone being transferred to different departments before finally being told that the check had been canceled by the dealer and that I needed to call them. XX/XX/2023 - I called XXXX XXXX XXXX of XXXX, Ohio and they began researching the issue further. XX/XX/2023- XXXX XXXX XXXX of XXXX, Ohio called me back and stated that the check had cleared and never returned to them or canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX, My vehicle was illegally repossessed from my private residence. The Tow company that entered my property illegally with their truck damaged my fence and broke the lock off the gate where my XXXX XXXXXXXX XXXX XXXX was parked. The tow truck driver offered no information in regards to where my vehicle was going. I asked the driver for credentials and his company information and he verbally attacked me with profanity. On XX/XX/XXXX I called the lending company ALLY BANK. And they informed me that they did not send anyone to reposees my vehicle and that there records showed that I am still in possession of vehicle and that they are in the process of repossession and that there records show I still was in possession of my car. I explained to them that a tow truck picked up my vehicle from my residence and said they were sent by Ally. I am incredibly confused by this whole situation. I kept trying to call Ally from XXXX XXXX XX/XX/XXXX and was offered no information. Then on XX/XX/XXXX I received a notice of lien and sale from XXXX and the information was EMPHATICALLY FALSE AND UNTRUE. I'VE TRIED CONTACTING THE THE TOW COMPANY LISTED AND HAVE GOTTEN NO ANSWER TO MY CALLS. I FEEL LIKE I AM RHE VICTIM OF A SCAM AND I DONT KNOW WHERE TO TURN. IN ADDITION TO THIS ILLEGAL REPOSSESSION MY PERSONAL PROPERTY THAT WAS IN MY VEHICLE AT THE TIME IS NOWHERE TO BE FOUND AND THEY WERE IMPORTANT AND SENSITIVE ELECTRONICS WITH ALL MY PERSONAL INFORMATION ON THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi, Currently my mortgage loan is serviced by ally bank and they manage escrow. Had requested late last year to remove escrow so I can manage all property taxes myself, but was told according to the contract this can not be changed. Was okay with it. On XX/XX/XXXX received a letter that my escrow account had surplus money of XXXX and they issued a check. But on XX/XX/XXXX I received a letter from XXXX XXXX XXXX, stating my property tax was delinquent and supplement taxes wee not paid. IN spite of me making regular payments to escrow, I was never informed that supplement tax would not be paid by the escrow and it would be home owners responsibility. As a result I have to pay penalty of XXXX and XXXX. I called ally bank on XX/XX/XXXX and they did not have an answer for this miss communication. I went ahead and made the payment to XXXX XXXX treasurer, but I feel this was servicer fault who did not inform me about the part of the tax that owner has to pay and part will be paid by escrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
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: I went in to a spa XXXX SKIN CARE in XXXX Ma. I paid to get XXXX fractional laser. I did not get co XXXX fractional laser what I got was XXXX. Ive sent in police reports plural and lots of proof and letters as to why I know I should get my money back. Ollo credit card was part of the initial purchase where I used XXXX cards. XXXX of these cards have refunded the money with the initial police report. Ollo is refusing to refund the money. They have the police report and XXXX waiting for the police report filed on XX/XX/XXXX. The merchant sent documents that have been forged to XXXX XXXX and I did file a second police report. Im waiting to get a copy of this. Ollo im disputing XXXX. XXXX if any knows that I have proved my case time and time again. In XXXX of the letters they recently sent me they wrote go to whoever I need to resolve this thats exactly what Im doing now. Ollo was part of the first purchase. I know I proved my case because the other XXXX cards sent me letters stating the dispute ended in my favor. So if it ended in my favor for the same purchase with XXXX other credit cards how is ollo credit refusing to refund the XXXX. The first purchase was made on XX/XX/XXXX. There was a second purchase made on XX/XX/XXXX and with XXXX cards XXXX bank and XXXX XXXX. XXXX XXXX is the card that provided me with the documents showing the merchant has forged documents and I did go to the XXXX Ma police a second time. I am requesting that this report include all XXXX credit cards companies but specifically ollo because its just blatant that they are breaking the law. I will provide the first police report as I have copies of it. I spent XXXX in total and it doesnt seem that these banks are attempting to help me. They accepted forged documents to deny my dispute. Its very clear to anyone with eyes this document was forged. XXXX XX/XX/XXXX was forged. I did not sign this paperwork. The merchant is sending in paperwork that has nothing ti do with the purchase in the credit cards. I paid for XXXX fractional laser and I received XXXX. This is wrong. I work very hard for everything I have and worked hard hoping to get XXXX Fractional laser and got Fraxel. Ive proved my case and this is causing me to become sick. Ive had enough. Ive gone to police and reported it Ive written multiple letters and even supplied police reports. XXXX should have already refunded me my money. I can see that XXXX and XXXX were presented documents that were forged. XXXX told me go to whoever I have to in a letter they sent to me and I did. I also am going to the FBI because I believe that XXXX is breaking the law. They know themselves that I have proved my case they just dont want to refund the money as its XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was in XXXX for over XXXX and having issues with ally bank accessing my account due to no cell phone service and also a dispute between the the XXXX XXXX XXXX and myself concerning a refund of my airline tickets due to the death of my XXXX old child in XXXX due to XXXX XXXX from the hospital. Upon many different points of contact verbally with calling in and also via email and messaging on the app. Ally denied my refund and dispute with no reason basically saying I needed to handle the issue myself when prior they stated if no resolution could be met they would step in and mediate and resolve the situation in my favor even after all of the evidence was in my favor. XXXX shredded the evidence by saying they couldn't give me an accurate account of how much the refund of the tickets I was supposed to get and ally just kicked the bucket down the road and did nothing in effect siding with the XXXX aka the XXXX XXXX XXXX The points of contact via email and messaging were as follows. XX/XX/XXXX, 3 times, XX/XX/XXXX 8 times, XX/XX/XXXX, 1 time, XX/XX/XXXX 2 times, XX/XX/XXXX 1 time, XX/XX/XXXX 1 time, XX/XX/XXXX twice, XX/XX/XXXX 1, and XX/XX/XXXX I contacted them once. So ally just like with their prior cases of racism with minorities specifically XXXX Americans this is another case of that and to cover over there misdeeds they shut down and closed my accounts hoping that they could cover up there wrongdoing. They also shutdown a joint account in good standing without any reason or arbitration or following FDIC Rues and regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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: In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to zero. We have been back and forth with Ally Financial and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from ALLY Financial and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX my wife was in a car accident that totaled the car. We had the auto loan with XXXX XXXX and also had GAP insurance with Ally. We assumed the car would be paid off in a timely manner but problem arose when the driver that hit my wife, he was underinsured therefore this caused delays in the pay-off process. It took 5 months to fix this problem, we had issues with XXXX and also with Ally, they made the process a nightmare instead of assisting ( we had several calls, emails and text history of our communication with them ), our car insurance company was the only one that helped by paying most of the auto loan debt to XXXX, ( even though we were not at fault at the accident ) still there was a balance that Ally ( GAP insurance ) instead of doing what they are supposed to do, they delayed the process and showed no initiative or professionalism to even try to resolve the problem... Ultimately the auto loan ( XXXX ) was paid off in XX/XX/XXXX. However, on mine and my wife 's credit report show on XX/XX/XXXX ( as Delinquent ) and on XX/XX/XXXX ( as Derogatory ) affecting our credit. Would this be updated next month? or please advise us how can we proceed? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A