Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There have been several inquires made via my credit without my consent to different finance companies and banks. These are authorizations I didnt authorize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally Bank insisted the money is still floating somewhere in the air before it can be returned back to my other bank. XXXX 's XXXX XXXX program partner with XXXX filed the disputes with Ally Bank to return the money, but there is no update the timeline when money will be returned back. It is already over due for releasing back for 3rd week since XX/XX/23 week. Name of Merchant : Ally Bank Exact amount : {$49000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed. Name of Merchant : Ally Bank Exact amount : {$29000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Financial closed 3 checking accounts and 1 saving account and will not provide a reason They had no reason These accounts were in good standing with no problems
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my acct last wed the XXXX of XXXX using my proceeds from my mother 's life insurance. It was deposited into the acct on XXXX the XXXX of XXXX. Friday XXXX XXXX I saw my online app was locked so I called them and they are very rude tellin me that my acct is under investigation and will not tell me where my money is or how I can access it. One boy told me that the chk hadn't cleared which yes I waited for it to do so. And then the next told me " how am I so dependent on an acct that has been open less then 10 days '' I said excuse me that's none of your buisness. And nobody will tell me where my money is. I feel like it's bein stolen! Its alot of money and very upsetting because it was from my mother 's death! I opened the acct with Ally bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/Madam, I am writing to dispute the repossession and sale of my 2022 XXXX XXXX XXXX XXXX I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28681
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX XXXX I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28681
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX You are direct violation of The Fair Credit Reporting Act ( Ally Financial Account number XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A, clearly states that I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I opened an account with Ally Bank on XX/XX/XXXX with my current address. XX/XX/XXXX I moved money from XXXXXXXX XXXX to Ally for a better interest rate. Opened a CD and put my husband on the CD. The bank called me stating that my address is not compliant with the Federal Patriots act of XXXX. I have the same address. I have bought a mobile home in this mobile home/ RV/ motel resort. I am being treated like a XXXX! I stated to them yesterday on the phone that not once have they asked for proof of address. Today now they will accept proof of the address. They threatened to close my account because of my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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: XX/XX/XXXX - In reference to my compliant ID number XXXX. ALLY Financial responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by ALLY Financial. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the Ally payment history date and amount of days late. The XXXX report is saying 60 and 90 days late and the Ally financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that Ally is report false information to my credit reports sence XXXX.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A