Date Received: 2023-02-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a victim of fraud and Identity theft. The dealership and agent ( XXXX XXXX XXXX XXXX XXXX ) who financed the loan took advantage of my Identity Theft issue putting me into a Predatory Loan, by falsifying documents and committed Bank fraud when my application was submitted. Violating 15 U.S. Code XXXX. Advertising of down payments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. They sold my old vehicle which had equity and taking down payment cost. The agent sold my identity, put me into financial hardship, and pocketed some of the Down payment cost that should have went towards the value of the vehicle. The agent was later fired because of his unlawful practices. I tried talking to the bank and dealership about this situation but keep getting the " run-around ''. Someone had supposed to had called me and discussed other repayment options, and never responded back. Instead, my car was put into repossession status, and charged off for the Original Loan Balance. it also appears non of the payments made towards the loan went towards my principal amount and the Original Loan balance still remains after making payments for nearly two years now, as I try to negotiate other options with the lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48085
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
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 threatened again a Noncitizen National of the U.S.AXXXX ( ( 8 USC 1101 ( a ) ( 21 ), 42 CFR 61.1 ( b ) & Public Law 94-241 Section 302 ), a Sovereign American, and an Internationally Protected Person ( 18 U.S. Code 112 ) that they will unlawfully steal my private car knowing that they violated the law and crimes. The agreement must be able to be rescinded. The private car has a judicial notice. Stealing it from me is a crime. 5th Amendment - Nor be deprived of life, liberty, or property, without due process of law. All of these will be used against you on court. A Corporation can not sue the living man Rundle v. Delaware & Raritan Canal Company, 55 U.S. 14 How. 80 80 ( 1852 ). 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge. 15 U.S. Code 1662- Unlawful requirement of downpayment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL Threatening to take/disable a vehicle ( as a form of debt collection ) is illegal and actually doing so is even more illegal which Ally bank has done Along with identity theft by giving my personal information to a non-affiliated, third-party, without my written authorization, nor consent my car was stolen by XXXX XXXX XXXX ( XXXX XXXX ) I went out to take my offspring to school and my car wasnt where I left it ( XXXX XXXX ) my car was not 90 days past due I received an extension for the month of XXXX the month of XXXX was paid the month of XXXX payment is not due until the XXXX so that was not late either I called Ally bank ( XXXX XXXX ) and Ally bank admitted to giving my private information to XXXX XXXX XXXX ( to steal my vehicle ) Ally bank violated the 15 USC 1692F ( 6 ) by using XXXX XXXX XXXX, to take my vehicle, without my authorization to another place Ally bank violated 15 U.S.C 6802b Except as otherwise provided in this subchapter, a financial institution may not directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( b ) Opt out ( 1 ) In general A financial institution unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer I have no contract nor a contract agreement between myself and XXXX XXXX XXXX Ally bank violated 15 U.S. Code 6801 ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution ( Ally bank ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers, nonpublic personal information. Ally bank Violated 15 U.S. Code 1692b ( 3 ) Any debt collector ( Ally bank ) communicating with any person other than ( me ) the consumer for the purpose of acquiring location informationabout ( me ) the consumer shall not communicate with any such person ( XXXX XXXX XXXX XXXX more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; Ally bank Violated 15 U.S. Code 1692b ( 5 ) Any debt collector ( Ally bank ) communicating with any person ( XXXX XXXX XXXX ) other than the consumer ( me ) for the purpose of acquiring location informationabout the consumer ( me ) shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector ( Ally bank ) is in the debt collection business or that the communication relates to the collection of a debt ; and Ally bank Violated 15 U.S. Code 1692c ( b ) without the prior consent of ( Me ) the consumer given directly to the debt collector ( Ally bank ), or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector ( Ally bank ) may not communicate, in connection with the collection of any debt, with any person ( XXXX XXXX XXXX ) other than ( me ) theconsumer, my attorney, aconsumer reporting agency if otherwise permitted by law, thecreditor, ( Ally bank ) the attorney of thecreditor, or the attorney of thedebt collector ( Ally bank ). Ally bank Violated 15 U.S. Code 1692d ( 3 ) A debt collector ( Ally bank ) may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person ( XXXX XXXX ) in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The publication of a list of consumerswho allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. ( Attached Publications ) Ally bank Violated 15 U.S. Code 1692e ( 8 ) A debt collector ( Ally bank ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Communicating or threatening to communicate to any person ( XXXX XXXX XXXX ) credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Ally bank Violated 15 U.S. Code 1692e ( 9 ) A debt collector ( Ally bank ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the UnitedStates or any State, or which creates a false impression as to its source, authorization, or approval. Ally bank Violated 15 U.S. Code 1692e ( 13 ) A debt collector ( Ally bank ) may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that documents are legal process. Ally bank Violated 15 U.S. Code 1692f ( 8 ) A debt collector ( Ally bank ) may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Using any language or symbol, other than the debtcollector ( Ally bank ) s address, on any envelope when communicating with a consumer ( Me ) by use of the mails or by telegram, except that a debt collector ( Ally bank ) may use his business name if such name does not indicate that he is in the debt collection business. Ally bank Violated 15 U.S. Code 6802 ( e ) 2 Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information with the consent or at the direction of ( me ) the consumer ; Ally bank Liable under 15 U.S. Code 1692k ( a ) 1 Amount of damagesExcept as otherwise provided by this section, any debtcollector ( Ally bank ) who fails to comply with any provision of this subchapter with respect to any person ( XXXX XXXX ) Ally bank is liable to such person ( XXXX XXXX ) in an amount equal to the sum of any actual damage sustained by such person as a result of such failure Ally bank is Liable under 15 U.S. Code 1692k ( a ) 3 Amount of damagesExcept as otherwise provided by this section, any debtcollector ( Ally bank ) who fails to comply with any provision of this subchapter with respect to any person ( XXXX XXXX XXXX Ally bank is liable to such person ( XXXX XXXX ) in an amount equal to the sum of in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. Account name : Ally bank ( Harming ) Account number : XXXX ( previously disputed ) is inaccurate reporting Therefore delete account off my consumer report due to my FCRA Rights. All 3 credit reporting agencies violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. I, XXXX XXXX exercise my right to rescission! I wish to rescind because I am still within the applicable rescission period ANY HOLDER ( Ally bank ) OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. In adopting this Rule the Commission determined that it constitutes an unfair and deceptive practice within the meaning of Section 5 of the Federal Trade Commission Act ( 15 U.S.C. 45 ) for a seller ( Ally bank ), in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumer 's duty to pay independent of the seller 's ( Ally ) duty to fulfill ( XXXX XXXX ) s obligations. Breach of warranty, misrepresentation and even fraud the creditor ( Ally bank ) is demanding payment from ( me ) the consumer, even though they have not fulfill their duties, by giving all disclosures and notice to me, the consumer, which constitutes as a deceptive practice by not providing me with concise, conspicuous notices, they can not be holder in due course Allys willful negligence has harmed me!!!!!! after previous disputes, they have shuffled the dates which is illegal Violation of 15U.S.C 1681 ( S ) 2. This is inaccurate reporting rescission is an equitable remedy which allows a contractual party to cancel the contract. Parties may rescind if they are the victims of a vitiating factor, such as misrepresentation, mistake, duress, or undue influence. [ 1 ] Rescission is the unwinding of a transaction. This is done to bring the parties, as far as possible, back to the position in which they were before they entered into a contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I deposited XXXX into Ally Bank Savings account On XX/XX/XXXX I deposited XXXX into All bank Savings account A total of XXXX On XX/XX/XXXX Ally froze my account when I tried to retrieve my money. It has been XXXX months with NO prevail. I have called dozens of times to get my XXXX back. On XX/XX/XXXX Ally closed my account and has since not made my money available. I was told by Ally Bank to have the original bank from where the funds came to reverse the transaction to get the money back. The ACH from the original bank said it was far too removed from a normal time to do a reversal of transactions. I told Ally the original Bank will not reverse and I still have had XXXX replies from Ally Bank to fix the issue. I need Ally Bank to give me my money back>>>> I do not know how to get them to reply. Every time I call the fraud department I am told a different story about where my funds are and how to get them back. The original bank from where I transferred the money said they have no legal matter to do anything. Ally Bank knowing this still has not responded and there is no end to this in sight. I have had to contact endless financial reserve companies to place formal complaints. I just need my money returned to me from XXXX!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX, I hope this email reaches you in good health and spirit. My XXXX card was hacked. Im not even for sure if all the over drafts are mines and despite I still fixed my account several times. It takes time for me to transfer money in to my account its no atm to put cash in. I feel that Im being discriminated against. The last negative on my account was only negative for 4 days I had no time to fix the {$18.00} it was not negative for 30 - 40 consecutive days. So Im confused on the charge off closer except Im being discriminated against. They are stating they are going to close my account and I been constantly fixing it despite ( because I didnt want my account closed ) if its mine or not due to the hack. I have had to get new bank accounts as well as credit cards due to the XXXX card hack and XXXX is aware. They advised they can not put a fraud alert on my account. They kept repeating the same thing to me like Im XXXX that my account will be closed despite me fixing it and that they are going to report me to XXXX XXXX. The agents ( supervisor ) had no empathy, understanding or anything they were extremely rude. They werent even listening to me. Im trying to rectify the negative ( over draft ) and explain my situation how my XXXX card was hacked and despite if the charge were mine or not I been fixing it. I really need to speak to someone that can help me and not discriminate against and speak to me like Im XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a complaint with CFPB # XXXX on XX/XX/XXXX regarding the problem I have with Ally bank described below. It seems that the bank ignores not only my direct complaint to them, but also the one I got with CFPB. It is absolutely not acceptable. I am expecting a fast and positive resolution of my complaint, and payment of my deserved bonus. As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. One was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened two new accounts : one individual and one join with my wife. The same day I received two emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received two emails from Ally bank confirming successful transfers of deposits. On XX/XX/XXXX I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't receive. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This complaint is against ALLY FINANCIAL Until viewing my credit file, I had never heard of this company. I have been disputing an inquiry this company placed on my credit file, without my permission. My initial dispute started in XXXX of XXXX. All three credit bureaus come back with first a stall tactic and then a fake validation letter. According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company. I have been the victim of ID theft. I was in a motorcycle accident early last year and someone made an attempt to apply for unemployment in my name. I have short term XXXX from my job so knew this wasnt me. A few months later they made several attempts to obtain credit cards and car loans in my name. There are 4 inquiries from Ally Financial on my report. No one in their right mind would put that many credit inquiries, apply to the same company, in such a short amount of time. I have not applied for any auto loans or credit cards and do not wish to. It's obvious this is fraud. Since this agency is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry XXXX.I demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist. XXXXDid you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation. XXXX. I demand a full ledger of every step of your investigative process, for each dispute submitted by me. To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of 1974. One agency is not allowed to share information with another agency without a consumers consent. 15 UCS 1681 Section 604 A Section 2 - clearly states any furnisher of consumer reporting is to have written consent from the consumer before reporting and item. Ally Financial did not have my consent. I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all three credit bureaus immediately. Federal law states that fraudulent items are to be removed within 4 days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you. At this time, I am demanding {$4000.00}, for the violations and the immediate removal of all inquiries from this company. The following inquires were placed fraudulently on my report on XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Your expeditious handling of this matter is expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Fraud I never tried to apply for an auto loan and gave no permission to run my credit XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX Fraud never applied for any card and no knowledge of running my credit. XXXX XXXX XX/XX/XXXX XXXX I gave no consent and have no knowledge of this report. XXXX XXXX XXXX XXXX Fraud again I never applied for any auto loan and had no knowledge of this report XXXX XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report XXXX XXXX XXXXXX/XX/XXXX Fraud I gave no consent and have no knowledge of this report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We extended our XXXX XXXX 2020 lease for 6 months. We were never sent the paper work and our use of automatic debit stopped working. Thus, the payments stopped. We rectified the situation with customer service however the account information for balance due was incorrect. We waited for that to be changed. However, when we logged in it would not allow us to make the payment electronically. It kept saying not available. Thus, two weeks before the payment would be 30 days late we mailed a paper check. We let Ally know this. The check was not cashed. So we called and the were able to get us into our account electronically. We made the payments to fully catch up however they are writing that we were 30 days late. We have never been late before and always paid on time with a perfect history. It is not our fault that we tried to make payments and it wouldn't let us electronically. There is a charge to pay by phone. We also attempted to pay via check but it was not cashed by the company for some reason. They recognized the problem and in fact waived the late fees because they knew it was not our fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit report and saw that on XX/XX/2022 there was an inquiry on my report from ALLY FINANCIAL. I did not authorize this. That has caused my credit score to decrease and now I'm very concerned that my identity has been stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A