Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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. Under 15 USC 1666B a creditor may not treat a payment on a credit card or loan an open-end consumer credit plan as late for any purpose. 15 USC 1681a ( 2ai ) states under exclusions, the report contains information solely as to transactions or experiences between the consumer and the person reporting. I have reached out to both companies in hopes of resolving the matter with no success. All accounts are paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I know nothing about this hard inquiry it was not authorized. Noticed it from XXXX XXXX on XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: They are not reporting to any credit bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: Back in XXXX ally bank offered a 1 percent cash promo if u deposited new founds and left them in the bank until XX/XX/2023. The bank did not say previous withdrawals would effect the cash promo as long as u deposited by XX/XX/XXXX and left funds in Ally till XX/XX/2023. Im opened a cd for XXXX XX/XX/2023 and left the money in the bank way past XX/XX/2023 therefore meeting the requirements. This should have entitled me to XXXX cash promo However since i moved money from ally before I opened the cd Im not not elegible. I should have been told that before i opened the XXXX k cd but I was told different as long as I deposited from another bank I would be eligible for the bonus. Ally bank is running a complete scam regarding this cash promo Thanku
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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: Ollo Card Services reported a transaction dispute to all three credit bureaus which caused my credit score and my wife 's credit score to decrease. I've never had a dispute result in a decreased in my credit score. CFPB : Is this process legal?
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: I went to XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX to look at some vehicles to possibly purchase. As i were browsing in the car lot area a salesman approached me and ask me " Can i help you find what you are looking for? '' I responded how much is this XXXX XXXX XXXX? he only responded with '' lets go inside and get some information then we can go from there. After giving out my information and doing some paper work I were still waiting on the price of the vehicle. And then finally the salesman said " the finace manager would like to see you now '' .The manager name is XXXX XXXX XXXX who went over all the documents and my personal information and still at this point did not tell me the price of the vehicle. After some time has passed a hour or 2, he finally revealed all the documents to me for review and signing. He finally open the Retail Installment Sale Contract with all of the add-ons attached separately from the price of the vehicle. I noticed the price of the vehicle with just state tax /government fees is what I should have paid. But as he went add-on by add-on the price increased quite a bit from the original price.He ( XXXX ) added a predelivery charge for {$990.00}, electronic registration fee for {$270.00}, I were never told if I select this method of signing a fee would be involved he never mentioned it. XXXX added Gap coverage- {$1400.00} which I Iinitially decline but he said " the finance company is requiring this for protection of the vehicle or the deal wont go through ''. using skilful tactics of telling a scenario about what could happen without the coverage he got be to sign using this deceptive tactic.He added extended warranty -- {$2500.00}, I again wanted to decline but again using deception once again another scenario and then I were persuaded once again to sign. XXXX never told me these add-on were optional, and also they ( addons ) are not a part of the original price with the vehicle.I feel as though I were lured into signing these items into the contract. He then proceeded with other add-ons road hazard- {$830.00}, Theft protection- {$790.00} which I said isn't the GAP and Theft protection the same? he said " they are different from each other they do different things '' .I didnt know at the time that all these add-ons were supposed to be included in the original price of the vehicle, only after educating my self and help from others I discovered this deceptive hidden revealation and I feel betrayed as I now carry this heavy burden of a high car payment, that were obtain by means of fraud and deciet.I now regret that I did this something needs to be done about this, because it is a pure violation of the FTC act section 5.And which prohibits using '' deceptive practices to misrepresent " is a violation of my consumer rights.I am seeking remedy from this violation of my right, and it is to be reimburse for all the deceptive and iilegal adds-on in this contract. And also due to the hardship of payment it has caused, I am requesting that APR of 7.94 % be reduced to at least 5.9 % because this whole contract now overly embellish with deception and fraud. Hopefully my proposal can be granted to the unforseen circumstances of financial struggle it has caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I attempted to set up a savings account with Ally Bank. I was trying to fund a savings account with the amount of {$150000.00}. but due to some glitches and/or bad advice from Ally support team, this turned into a {$300000.00} funding. The second {$150000.00} over drew my external bank so it bounced back to the external bank right away but unfortunately the initial {$150000.00} which is my money even though i have been requested it be returned for a month has not been returned to my external bank. I have spent countless hours talking and chatting to Ally support team to get my funds returned to no avail. This is money I need for my life living so I am naturally very worried that Ally will not return to the money to my external bank. As its stands now Ally not only will not return my money but my money is in their bank but not referenced to me in an account leaving me no access to my own money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 626XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: While my complaint doesn't 'fit ' exactly within the parameters of the fields I 'chose ' for this complaint, I believe that it would still fall under the purview of the CFPB. In XXXX of last year, i.e., 2022, I closed accounts with Ally Bank. I earned more than {$10.00} in interest combined between my checking and savings accounts they should have sent out by XX/XX/XXXX a 1099-INT. I waited until XX/XX/XXXX to contact their customer service line knowing that forms can be delayed on the receiving side. When I spoke to the customer representative I explained that while my accounts were active, I could have downloaded the forms I needed online but now that the accounts were closed I could not and had not yet received the 1099-INT. The representative spoke with a supervisor who indicated they would have to 'manually " generate the form and I should receive it within 7-10 business days. They provided me with case # XXXX. The 10 days 'receipt ' period expired on XX/XX/XXXX and as of yesterday, XX/XX/XXXX, I still have not received my 1099-INT. This is preventing me from accurately completing my 2022 tax filing. I also wonder that if this happened to me, then how many other former customers at Ally have not received their 1099-INTs and whether or not those interest dividends have been reported correctly to the IRS. This is very concerning to me personally but also as a tax payer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In accordance with the fair credit reporting act, this/these creditors has violated my rights under 15USC 1681 SECTION 602 states I have the rights to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and 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: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im just now understanding the adult world because Im mentally exhausted trying to fix my credit since Im not the most super smartest person because I wasnt taught how to manage my credit and consumer.. I need these account removed or deleted Repos Credit cards Credit repair services Credit reports and other personal consumer reports Debt collection Payday loans Personal loans like installment and title loans Prepaid cards Student loans Vehicle loans or leases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A