Date Received: 2023-03-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I ordered a check book which was cancelled as lost and I was told that a new check book was sent. They did not give me any particular numbers of any check books. They sent me the first ordered check book which I was trying to use and I never received the second check book ( the second one was cancelled much later while I was talking to the representatives. I am still not sure it someone was using the second one which was actually lost ) I was charged for returned checks {$25.00} and {$85.00} because the bank cancelled these two checks. I called and message the bank multiple times requesting the refund and pay for bad customer service but they did not want to accept the bank customer service failure. Not providing a proper customer service, they not only embarrassed me in front of my client and made me loosing my money but also ( which it the worst part of all these ) made me almost passed the dead line of the important payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I entered into a retail agreement with XXXX of XXXX XXXX XX/XX/XXXX. To my understanding this was a consumer credit transaction. I later learned there was much deception in the contract. Upon reading and understanding law I learned that a consumer credit transaction can not include cash. Pursuant 15 USC 1662 ( b ). There was a down payment given as well as a vehicle trade in during this transaction. I also later learned upon discovering Federal Reserve 16 section 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States. Which means that upon the submission of the note ( Agreement between ( consumer ) myself and the dealership ) the the promissory note has been securitized. This agreement has acted as collateral upon the endorsement of my signature. To my surprise there was more deception, learning that after the consumer credit transaction there were payments or financing due to a Lender Ally financial. I do not have a contract with Ally Financial nor did I know that my contract was assigned to Ally financial until AFTER the signing of the retail agreement. Based on that factor 15 USC 1692e- False and misleading representation. I was completely deceived by both the Dealership and now learning the bank ( ALLY ). Furthermore, I have never signed any loan agreements with Ally Financial however they have a loan on the LEGAL title of the vehicle. I've submitted 3 correspondences about the billing errors in question. All have gone ignored .Per 12 CFR 1026.13 Billing Error Resolution, as the consumer I have a right to withhold disputed amounts in which that was the entire finance agreement until there was a resolution. ALLY financial continued to harass me with phone calls asking for payments or repossession of my vehicle. XX/XX/XXXX my vehicle was picked up on the streets of XXXX Alabama, in which I was present with my entire family and stranded. This caused extreme harm to myself and my family as we were stranded in a state in which we did not reside. As I currently type ALLY financial has yet to send me any copies of the financial agreement or loan in which they state I am obligated to. I only have the customer copy of the retail agreement with XXXX of XXXX XXXX. My family and I have has extensive financial hardship since my vehicle has been stole by what I know know is a third party. I also sent documents to ALLY making them aware that the vehicle had been conveyed to my trust, in which they were ignored. My vehicle is now of trust property and has been since XXXX it is UNLAWFUL to uphold Trust property and collapse the Trust in any form. I do hold the equitable title to the vehicle, that has also been ignored. I am yet and still demanding that my vehicle be returned unto me. That my family and I are compensated for the deceptive practices of these corporations when they DO NOT have a security interest in this vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to request the removal of the unauthorized credit inquiries on my credit report. My credit report shows XXXX credit inquiries from Ally Financial XXXX and XXXX that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hello I Hope this finds you well. I had purchased a used car through auto lenders in XX/XX/XXXX. I have appreciated, taken care of and appraised my XXXX XXXX XXXX. I am reporting Ally financial for placing inaccurate and fraudulent claims on my credit report without my consent. Ally financial has been reporting my car loan payments as late payments since XXXX of XXXX when my records and statement show that I have been making my payments of {$320.00} on time and or within the company grace period. According to the 3 credit bureaus, partial payments are not to be considered late payments. The reason the I am calling the payments partial is because of the balance due on my account is more than my monthly payment being that I was having a hardship. In the past year, I have had multiple life changing and life altering situations such as relocating, giving birth, losing family members, jobs, etc.. like many others due to the pandemic. I communicated my hardships and I asked Ally for assistance with my loan in XX/XX/XXXX until XX/XX/XXXX. Ally was not willing to defer or adjust my payment plan to fit my current situation to withhold our contract. I kept the payments of {$320.00} up but I didn't have the funds to pay off the whole balance just yet, the whole time I'm keeping my payments up Ally is busy harassing my cosigner and I ... the harassment gotten worse in summer of XXXX and I had to tell an ally employee to tell their third parties to stop harassing my grandmother. I also experienced multiple third parties associated with Ally calling me with false information trying to cause fear and confusion while doing their best to gain information on me. For a year now, Ally has been tracking me and my personal information with third parties that I did not consent to having my information. Ally took action on my account and my vehicle with no notification. I have been telling Ally that I have not received any letters, any emails, any calls or text messages that my vehicle was out for repo on XX/XX/XXXX. Anytime I was notified in the past with ALLY about my vehicle and repossession, I immediately handled the situation by doing what they asked. Again, Ally refuses to pay a doable payment plan to make our contract work in these changing times. Instead of helping or adapting, they are attaching late fees to my " partial payments ''. It's now XX/XX/XXXX and its been an excruciating two days because Ally 's third party XXXX XXXX XXXX repossessed my car on XX/XX/XXXX every XXXX of the month I make my payment and I still have had online access to pay my bill for two days. The fact that I could make online payments still confirms my fact that my account was still in good enough standing for my account to become current. My account with Ally is not reflecting the correct information on my behalf on my credit reports. My ally account history also doesn't reflect the fraudulent actions ALLY Financial and others are taking against me. Ally financial continues to make demands to pay them {$1900.00} when I was in the middle of making the payments of {$320.00} as agreed and working to pay down my balance. Before I had the chance to mention to Ally that I no longer have access to the address the had on file, ally acted on the wrong information. I need this information corrected ASAP. Thank you so much, I appreciate all that you do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Only had a physical copy of the card a few months. Company changed cards never received replacement card. Could not setup account online. Only time I knew when payment was due was when account was past due. I have not even made a purchase on this account because I dont have a physical card. Ive been transferred a few times to get a physical copy but the hold time was extremely long. I no longer felt comfortable giving my info over the phone so I demanded to speak to a manager so I can see what I must do to get a physical card. Finally I was able to speak to the an agent that was super helpful. She got a new card sent out but I have not received it yet. I now have a delinquent payment showing up in my credit report which isnt fair because I dont have everything I need to make a payment online. Once card is received I will make payment but I would love this late payment removed from all 3 credit bureaus Especially because I dont mind paying the account but I no longer want to share my card info over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The co signer and myself co buyer went through a hard ship within the last months due to an emergency and we both called to get financial assistance and both of us were denied and have to some how get enough money to make a payment and every month we called and still no help. We are up to date with payments now but the help was never there and its affecting our credit to continue building it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I requested by telephone that Ally bank close my CD early and transfer to my personal checking account. I was told it would take 2-3 business days. I have called three additional times as the money has not moved. They said they can not tell me when the money will be put into my account. The CD is still showing. I have asked for a supervisor to contact me and have not yet heard back. No one can give me a date when I will receive my money which is in excess of {$300000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally offered a bonus for depositing money in a savings account. The amount I was eligible for is $ XXXXThe bonus was said to be paid on XX/XX/XXXX, but I never received it. I've asked Ally continuously to look into it. They previously promised to have it resolved by XXXX, and then the end of XXXX, but both of these were not held up. Now Ally says they have no plan to ever resolve it. The details of their bonus are described here : https : XXXX Dozens of other people have commented at that web page that they've had this problem too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My car was totaled in XX/XX/XXXX. My car insurance company, XXXX XXXX, sent a payoff check to Ally Financial in XX/XX/XXXX. I received a paid in full letter dated XX/XX/XXXX from Ally Financial. In XXXX I received a phone call stating I was late with my payment. I asked them to provide me with a payoff balance. They said they could not give me a payoff amount and transferred me to the title dept. They confirmed my account was paid in full. In XXXX they provided me with a remaining balance due amount but had already negatively reported my account to the credit bureau. I agreed to pay the balance if they would send something to the credit bureaus to remove the 30 and 60 day lates showing on my credit report. They said they would have the delinquencies removed once the balance was paid in full. I paid the total balance off on XX/XX/XXXX. They have not removed the delinquencies. They sent me a new paid in full letter dated XX/XX/XXXX with the same account number and information as the previous paid in full letter dated XX/XX/XXXX. I believe this error occurred, because Ally financial sent out incorrect information, and did not follow up in a timely manner to provide me with an outstanding balance. Therefore I do not think my credit should be negatively affected for there error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A