Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 an account without my written instructions. 15 USC 16668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My wife and I have a joint checking account with Ally Bank. Recently, my wife 's debit card was used for an online purchase ( Approximately {$160.00} ) that we immediately recognized as fraud and reported to the bank. The bank is currently investigating the incident. The bank agent informed that nowadays, devices can scan debit or credit cards just by walking near the person 's wallet. My wife and I never use debit cards for transactions ; we always use credit cards for higher security. However, we are now fraud victims because of these con artists. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This is a response to XXXX. Still working on it? They should have taken care of this three weeks ago. Once I notified them that they did not process my bonus on XX/XX/XXXX that they said they would pay me when I opened the account in XXXX, they should have simply processed the bonus. How long should that take? Additional punitive damages should be assessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Received e-mail from Ally Bank on XX/XX/XXXX advertising a Cash Bonus program. If I was to transfer {$50000.00} from an outside source into a new Ally Online Savings Account before XX/XX/XXXX, I would receive a {$500.00} bonus ( 1 % ) as long as I didn't withdraw the funds until after XX/XX/XXXX. The bonus would be deposited by XX/XX/XXXX. I did everything exactly as the terms dictated. I didn't even withdraw funds until after XX/XX/XXXX, which was supposed to be the actual crediting date. When the Bonus didn't appear in my account, I called Ally twice on XX/XX/XXXX and again on XX/XX/XXXX and also submitted an internal written online message on each of those days. They said there was a glitch in the system and that it would be resolved within 7-10 business days. Today is XX/XX/XXXX and the issue is still outstanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My mail was stolen back in XXXX, and a credit card was opened with ally fraudulently. I have contacted ally and they know it was fraud and closed the account. Can you please note my account and make sure this doesnt affect my credit. Thanks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 state a consumer agency can not furnish my account without my written instructions. 15 usc 1666B a creditor may not treat a payment on a credit card on 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: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: car loan began XX/XX/2015 for a 72 month loan. I have been paying on loan for 7 years 5 months and they are stating loan isn't paid off. Everytime I call for payoff the amount changes from {$2100.00} to {$1200.00} to {$2700.00}. Changes on a daily basis. I've tried to ask why loan isn't paid off yet and they always give a different reason. I have proof off all payments and dates paid and how much which is usually higher than minimum amount because we have been trying to pay this loan off. I have loan agreement. They are reporting to credit agency I am late every month even though I have proof of payment. I have been paying on a 72 month loan now for 89 months. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A