Date Received: 2023-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I already have asked this company to stop reporting activity on this charge off and provide a copy of the 1099C cancellation of debt form that they filed with the IRS, I have asked OlloXXXX to stop reporting it, cause according to IRS the 1099c becomes gross income not debt. That's reporting inaccurate and unfair, but they seem to not care about any compliance of the FCRA law. these are the violations they have incur. 15 U.S. Code 1681 ( a ) ( 4 ) Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. According to 15 U.S. Code 6801 ( a ) ( b ) Protection of nonpublic personal information 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) Obligations with respect to disclosures of personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by ALLY FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The auto dealer had settled the loan in full, but Ally Financial Bank incorrectly processed the amount and is still claiming I owe money. Furthermore, they are inaccurately informing the Credit Bureaus that I am delinquent despite not being so. I have all the documents to support my case. I have attempted to contact Ally Financial numerous times in order to resolve this discrepancy, but I have been unable to get them to correct their systems. I even sent a formal letter via certified mail but they have still not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2020- my car was deemed a 'total loss ' by my insurance company. I contacted Ally Financial regarding this and they let me know that my XXXX XXXX ( also provided by Ally ). My insurance company provided a settlement payment for the majority of the remaining loan, while the remaining was submitted to the XXXX XXXX XXXX. My XXXX claim was denied, not once but several times. I have spoken with my insurance company - as I was not provided a police report from this accident - to provide Ally XXXX the correct " Statement Of Loss '' letter. They ( my insurance ) informed me they had called, received calls, and emailed over forms and letters on multiple occasions. As I have been going back and forth with Ally, and Ally XXXX for the last XXXX to XXXX years, they have now sent this account to collections. Which I have been attempting to dispute. As I have all required documentation and have provided it on multiple occasions, via email and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Ally bank took XXXX inflated payments out of my bank account in XXXX XXXX after telling me that a re-payment plan I was on had been cancelled. They continued collection activity during this time and ignored multiple requests I made to stop the automatic payments and to help me repair the condition of my account. In XX/XX/XXXX, a collections supervisor realized what had happened and promised to give me an extension. A few weeks passed and Instead of an extension, the automatic payments were finally cancelled and the car was repossessed. Further attempts to correct this with Ally have been unsuccessful thus far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX closed my credit card account with NO NOTICE. I paid the balance off XX/XX/XXXX and now I wanted to use it XX/XX/XXXX and they closed the account. When I called they said due to inactivity??? It hasnt even been a year? They also said they can't reinstate!!!! This made my credit score go WAY down!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have received multiple calls from the company to collect the ammount I owe. I currently lost my vehicle during hurricane XXXX due to a XXXX and the vehicle was declared Totaled by a local shop. My vehicle XXXX XXXX XXXX is trying to pay XXXX towards the debt in order to finalized my total loss claim. My Insurer needs the Lien holder Paperwork in order to pay them directly the amount that they are paying me for the totaled vehicle but it has been over 3 weeks already since they have been waiting for that paperwork. Whenever I have spoken to ally over the phone i've told multiple representatives the situation and have told them to transfer me to the total loss department, whenever they do that I am sent to a dead line. Its very frustrating because I am not avoiding them nor trying to skip paying this loan off to get it off my credit. Whenever they call back they repeat the same scripted conversation regarding me owing them the monthly payments and they don't keep any records of the conversations and my requests. I have also tried the secured messaging via their app and yet they just answer with a scripted message saying that due to the nature of my request I need to contact them to their XXXX number, this is the same number that I have attempted multiple times to finalize my Insurers claim. This situation has me depressed at this point since there's no local office for them and I am sure that they will instruct me to send mail to their hq or say that they can not help me. I am already unhappy from losing my method of transportation and my local vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I got an auto loan with Ally Financial Bank, the vehicle in question with the loan is a lemon vehicle. I tried many times addressing that to them. The vehicle finally broke down where I could not afford the repairs. I called about 8 months ago from today XXXX They still have not repossessed the vehicle and continue to give me problems.
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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: Hi, The company keeps calling and harassing me that i need to give back the car when in fact I mailed a check and they deposited the check and it also shows ' online that its paid in full. they call me every day and as many times i tried telling them that we paid in full they don't listen. i also need to get title ASAP
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A