Date Received: 2023-04-07
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: Ally Financial has been sued by the government and won. They discriminate against XXXX and XXXX race of consumers and was found guilty. Ally Financial never payed me my lump sum for and consumers who purchased their vehicle in XX/XX/2011. Ally Financial are thieves. I DEMAND THEY RELEASE MY TITLE IMMEDIATELY TO XXXX. XXXX REACHED OUT TO THERE CUSTOMER SERVICE DEPARTMENT WHICH IS OFF SHORE AND RUDE AS XXXX NO FAX MACHINES CANT SEND EMAIL JUST PATHETIC. THEY OFFERED ME A SETTLEMENT OF 40 percent off which would be 797. They failed to send XXXX the information. I demand ALLY IS VIOLATING MY FAIR CREDIT BILLING ACT 1666b I never received any bills stating I owed a late fee. THIS COMPANY HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 states I have the right for privacy. They are paying offshore customer service representatives who barely speak XXXX and they are holding my title causing pain and suffering. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account undeXXXX XXXX open end consumer credit plan as late for any purpose. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted the 3 credit bureaus and Ally financial to advise them that Ally financial has made 2 updates to my credit file for the same account, I advised them that the updates are in correct and I don't have any current accounts with ally, the account was paid in full per the 1st update, when I received a status from the 3 bureau within 5 days saying they investigated and the company updated the account ALLY then deleted the update that showed the account was paid in full and added another account with a charge off status 2 times for the same account with the same account number same purchase date. I asked them to remove the incorrect data and they have refused and the credit bureau didnt investigate at all they took the word of the creditor who they allowed to report the same account 2 times on my credit file. you we will see that Ally is miss representing the account with incorrect information and adding it 2 times to my file which is illegal and has violated my rights. how does it go from paid off to 2 negative updates, the ones as early as XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Feel Like I Was A Victim Of Hard And These Hard Inquiries Are Messing My Credit Up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted XXXX XXXX XXXX XXXX, Ally financial auto, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28658
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Have Few A Few Inquiries That I Dont Recognize And I Need Help Taking Them Off My Credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Date of Transaction : XX/XX/2023 and XX/XX/2023 Account number : XXXX I called Ally on the XXXX of XXXX to request an extension due to unforeseen dental expenses. The extension was contingent on me making a payment of {$370.00} within ten days of the agreement. I specifically asked the if payment needed to be received by the XXXX which is my normal due date to avoid a negative credit reporting. I was told as long as payment of {$370.00} by the XXXX you will be fine and no negative reporting will take place. I asked three more times got the same response. I was able to get my hands on the money on the XXXX, & made a payment of {$380.00} total. I called same day to confirm payment was received, to ensure the extension was in place & there would be no negative reporting on my credit. I was told it was received, extension was in place and there would be no negative reporting. However, on the XXXX they marked me 30 days past due. Today I have chatted with one rep & spoken to two. One identified herself as a SR. agent. Theyre claim is that the payment had to be received by the XXXX my normal due date. Not the XXXX as their rep previously told me. Funny because on the XXXX of XXXX they sent me a notice saying I was 21 days past due, so technically the rep I spoke with on the XXXX was correctthe XXXX would have been the XXXX day. If the rep I spoke with on the XXXX was wrong & gave me ill informationthen that is a problem, they need to work out with their rep, I should not be punished. This 30-day late mark dropped my credit score XXXX pts. I have asked for the calls to be reviewed from the XXXX & the XXXX. They tell me I need to wait 3-5 days then look for an email on the status? ABSOLUTELY NOT! I honestly believe even after they listen to the calls, they will lie about it. This needs to be resolved fast. If it was the XXXX that is the information I should have been given but it was not. Today is XX/XX/23 Ive received no update or resolution. This is unacceptable and highly unprofessional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
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 am emailing regarding the NJ Sales Tax I paid for the Vehicle upon registration at the NJDMV. The vehicle was stolen on XX/XX/2023, and I have recently had XXXX ( Vehicle Insurance ) process the settlement for the total theft. The settlement of the vehicle was for approximately XXXX + XXXX of ( sales tax ) = XXXX. Unfortunately, XXXX ( my insurance ) paid the entire amount to ALLY Financial Services ( LESSOR ) the entire value of the car XXXX which the LESSOR is entitled to and the sales tax of approximately XXXX. I requested from both parties that the sales tax owed to me should be {$3100.00} as I paid the portion of the tax to the NJDMV. Both parties denied they owed me any value of the tax and simply advised that the other party should rectify the situation. I am attaching the proof of the sale tax paid that I paid to NJ last year for the 39 months of the lease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i am a victim of identity theft and i did not authorize these companies with written consent to report anything on my credit report. no consent is identity theft.
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: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: RE Ally Auto Account # XXXX XXXX Since XX/XX/XXXX, my lease with Ally Financial was paid off. In XX/XX/XXXX, I paid the balance of the inception fee of {$160.00}. Although Ally representatives have indicated that the account shows paid in full with no balance, my credit report reflects " Account Paid In Full for Less Than Full Balance ''. Several representatives, XXXX in particular, XXXX XXXX has stated that she escalated this issue to her Supervisor to ensure that the credit report department updates the credit reports. To date, I have spoken to over 6 additional individuals who continue to advise me that my account is paid in full and they will submit a request to the credit department. I continue to receive the same information each time I call but I continue to suffer damages for the incorrect reporting, which has also lowered my credit score. I spoke with a representative on XX/XX/XXXX, and he called me every other day to report the same thing, " I am still waiting to hear from the credit department. They haven't responded. '' This was the same report that he provided to me Today, XX/XX/XXXX. As a result of his response I called again Today, XX/XX/XXXX and spoke with someone again who for the first time provided me with a Case # XXXX and informed me that it will take 45 days. I advised her that I was not willing to wait 45 days because I have been advised of the 45 day wait back in XXXX and I am still suffering the damages as a result of the incorrect reporting and managements inability to resolve this issue with their credit department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights to privacy and confidentially under the 15 USC 1681. XXXX Account XXXX XXXX ( 30 days late XX/XX/XXXX ) and Account XXXX XXXX ( 30 days late XX/XX/XXXX ) has violated my rights. XXXX5 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit 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: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A