Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I visited XXXX XXXX to view a used car with my elderly mother XXXX XXXX, and our close friend XXXX XXXX, during the meeting we discussed financing and the Used Car Manager in plain English advised us that they would require a soft pull or our credit, being an XXXX XXXX XXXX I was well aware that a soft pull would have no adverse effect on my credit or my mothers credit so we agreed. On leaving the dealership we received multiple messages from XXXX that Hard Pulls from multiple lenders had been placed on our credit reports, we dis not authorize loan requests from XXXX XXXX, ally financial, XXXX or any other lender we were merely discussing options. My husband contacted XXXX the XXXX a day later to inquire and the Managed lied directly to him.about the process, all 3 witnesses present clearly understood this was a soft pull and the ramifications of a hard inquiry, I XXXX seasoned XXXX, XXXX XXXX is a retired XXXX and XXXX XXXX is a Business XXXX, there was no mistake from our interpretation. We would like the Dealership sanctioned and fined for breach of our privacy, manipulation of our credit and the inquiries immediately removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92128
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam : I would like to draw your attention to the fraud being perpetrated by Ally Bank. Last Fall, I submitted a complaint to the Michigan Attorney Generals Office indicating that amongst other things, Ally was fraudulently trying to collect for damages to a turn in leased automobile. In response to this complaint, Ally responded with the attached letter to me and the Michigan AG whereby it stated in the spirit of customer satisfactionand as a one-time courtesy, we waived the {$180.00} excess wear charge. On account of this letter to the Attorney General waiving the wear charges, I made certain reliances including that I would not be made to make any payments. However, Ally has gone back on this representation and now engaged both a collection firm and sought to negatively impact my credit report. Section 807 of the Fair Debt Collection Act prohibits the very fraudulent conduct being conducted by Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48236
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial, and its agents have abused and deceived me as a consumer for their unfair practices of sharing " Our '' credit experience with third party organizations without prior consent/ permission from me the consumer. XXXX a agent whom works for this corporation stated that Ally believes they are furnishing accurate and complete information or our credit experience with you ( consumer ) labeled in exhibit ( A ) and therefor she will not request the removal from the reporting agencies. this is in violation of 15 usc 1681 a ( 2 ) ( i ) the fair credit reporting act Exclusions section meaning whats supposed to be excluded from a consumer report congress makes it clear that a report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded. Ally was certified mailed to cease this form of communication including reporting to the credit reporting agencies. your organization never gave me a opt out clause to let me know as a consumer i have the right to opt out of credit reporting which is a violation of the gramm leach bililey act 15 usc 6801. Note ; Ally has received and signed for all documents i have the green return receipts with signatures. this includes cease and desist, affidavit of Truth, invoice, notice of default opportunity to cure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sold my second mortgage to Ally Loan Administration and I have been making payments and they are not applying them to my mortgage and keep charging fees and added interest. I have written and called them several times and they refuse to give me paper statements, credit my account with the payments and switch off electronic documents. They will not allow me access to my account electronically either to try to download the documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were contacted by ALLY BANK in XX/XX/XXXX and offered a Forebearance Loan on our 2nd Home Equity Loan. In XX/XX/XXXX ALLY BANK issued letter stating that they were in error offering this forebearance and also that they internally had coded our loan incorrectly- and that we were now 6 months late and the balance due immediately- they also reported us as delinquent to all credit bureaus. Then they sent an agreement with loan payments to start paying balance -however it was dated three months prior ( they sent outdated documents ). We have been contacting ALLY BANK since XX/XX/XXXX to get credit fixed and a current loan agreement. Every time we call we speak to a new agent who says they will send us a new loan modification " package '' - we have repeatedly filled out these loan modification packages with all our bank documents, payrolls statements, tax returns, etc. then when we call to check on status they say the documents need to be resent because they are now outdated- or they say they never got the documents, after we've sent them to the po box address as well as email address they provided- repeatedly. Then they call us each month and the cycle starts all over again with a new agent! Result is our credit scores went from 800 's to low 500 's - credit is ruined ; and husband 's business is now closing because of the negative credit scores and failure to get new business credit. We can never speak to the same person at ALLY BANK - nobody can ever follow up on our documents to get a new loan agreement generated. Extremely frustrating dealing with ALLY BANK. Our credit has been ruined because of their internal errors and mismanagement. ALLY LOAN NUMBER : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Never got a 1099 C debt cancelation form from Ally Financial, ask for the involuntary repossession to be removed from my credit reports, XXXX XXXX, XXXX, XXXX. In stead the remark was changed to Customer disagrees on my credit reports. I spoke to Ally advise that due to covid 19 I was unable to make payments on the car, never received 1099 C debt cancelation form after they sold the car, and got paid for it. Asking that this be removed of my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This complaint is related to complaint # XXXX providing additional info. I ended up closing related CD account because of not paying correct interest of which they have not resolved yet. I was charged {$920.00} plus not pd correct interest on acc This is clearly a bank error that they do not know how to solve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally Bank advertises that it offers XXXX payment services but does not instantly transfer the funds. On XX/XX/31, I needed to move funds from my Ally savings account to my own account at another bank. To avoid the delay of a regular bank-to-bank transfer, I made a XXXX payment to myself XXXX which according to XXXX terms and Ally 's website would appear instantaneously in my other account. XXXX did not seem to be working on Ally 's online banking site, so I had to call in to Ally 's customer service to effectuate the XXXX payment. The customer service representative recognized that I was making the payment to myself. Ally withdrew the funds instantly from my savings account, but delayed sending the funds for two days. Hence my supposed XXXX payment was no faster than a regular transfer. Ally benefited from instantly removing the funds from my savings account, because Ally could then earn interest on the funds and avoid paying ME interest on the funds. I lost interest on the funds altogether, in both accounts. Ally is deceiving consumers by offering XXXX but unfairly failing to carry out payments properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a formal notice that I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete any account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXX have had with your company. Failure to delete the tradeline will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A