Date Received: 2023-02-01
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. 1 5 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under 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: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-02-01
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiries were pulled on my credit report that I didnt not authorize or give permission to be ran by. Those companies are : XXXX XXXXXXXX XXXX Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those companies have ran my credit across all 3 major credit bureaus : XXXX, XXXX and d XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My mom has XXXX bank checking account. She wrote a check ( {$XXXX}, check # XXXX ) payable to me and I made a mobile deposit to Ally bank ( XXXX ) The check was clear on XX/XX/XXXX. All good. Suddenly, on XX/XX/XXXX, Ally bank withdrawn {$XXXX} and said " The Federal Reserve shows this check as being deposited twice and we are required to comply with their adjustment request. Since the check has cleared, the maker should have their bank research for more information '' We asked XXXX bank for the investigation, and they said " There is no other transaction recorded for this check after the check was cleared on XX/XX/XXXX '' I think.. if the check was deposited XXXX, there should be another/XXXX transaction on XXXX bank side, XXXX XXXX But there is not. Ally bank keeps saying that they can not provide any further help/investigation regarding this matter. I feel like they stole my {$XXXX}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ollo Card Services has not updated my account balance since XX/XX/XXXX so the card utilization continues to appear extremely high. The card balance was paid off XX/XX/XXXX, with additional payment made XX/XX/XXXX. I contacted customer service on XX/XX/XXXX and inquired on their reporting, asking if the company reports to all 3 credit bureaus, the representative replied yes. I then asked why my account hasn't been updated and she said they are experiencing a technical glitch in their reporting system. She then placed me on hold so she could speak to a supervisor. When she returned to the phone line, she informed me that they were unable to expedite my request for my account information to be updated and I would have to wait until their system is corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I entered into a contract with ALLY FINANCIAL XX/XX/XXXX. XX/XX/XXXX I requested original contract document copies from Ally via phone representative. I was told I would recieve documents within 10 days. I also went onlie to my account on their website and requested the same document. The website give you nothing evenn close to original contract documents as signed with dealer. As of XX/XX/XXXX, I still had not recieved any documents and for a third time requested a copy of original documents of contract complete with all charges and finince charges. As of todays date XXXX XXXX, XXXX Ally Financial has made no attempts to honor my request and is knowingly and willingly refusing to provide me with copies of original contract. They have been given the most up to date accurate information as far as address and phone number and are still trying to pull t tactics like purposefully leaving off the suite number for mailing purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This contract with Ally financial has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for an Ally credit card using my XXXX credit match on XX/XX/22. After submitting my application, I received the message, " We need more time to review ''. My XXXX XXXX was immediately decreased by XXXX points. I could see the XXXX inquiry from Ally Financial XXXX on my credit report. I called Ally XX/XX/XXXX at XXXX am, the rep informed me she didnt have a record of my inquiry, but to allow up to 17 days for processing, and to watch for a letter or email to determine my status. I called again XX/XX/XXXX at XXXX, another rep stated there was no record of my application, or prior phone call. I asked if there was an internal department who handles these requests- I said Ally doesn't have XXXX... they go through XXXX. I requested to speak with a manager. The manager used my SSN, full name, phone number, address to attempt locating the application, but also said there is no record of my application or phone number. She said she was launching an investigation, and to call back within XXXX business days. I called back on XX/XX/XXXX at XXXX. The rep stated there was no record I had ever called- thus no investigation. She located an account with my name from XXXX I informed her I've never used or applied for anything associated with Ally. I am highly upset and concerned as this has significantly impacted my score, and no cares enough to follow-up, or merely document my call. I will NEVER apply for anything associated with Ally, again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I initiated a wire transfer around XXXX on XX/XX/2023 as part of a payment I was contractually obligated to make on this date. The status of the wire transfer was on 'Reviewing ' for the remainder of the day. The next steps in the process are 'Processing ' and 'Sent '. On Monday XX/XX/2023 I checked the status of the transfer and it was still stuck on Reviewing. I checked the timelines provided by Ally and I had initiated the transfer before the cut off so it should have been sent same day. Up until this point I have not received any communication from Ally as to why the wire was not being processed. Two phone calls later and some escalating I was finally told that the wire was on hold pending research and that it would not process until XXXX on Tuesday XX/XX/2023. Around XXXX on Tuesday XX/XX/2023 I checked the status and the wire transfer was still in the Reviewing stage so I called the customer service line again. I informed them the urgency of this wire, as I was now out of compliance with a contractual obligation because they have not processed the wire. I was informed that they closed out the research and I should expect a phone call any minute from the wire team to verify the information provided. I was assured the wire would be sent out today. It is now XXXX and I still have not been contacted by Ally bank, nor has the wire moved out of the Reviewing stage into the Processing stage. I am now at risk of losing the home I am trying to purchase because Ally is unable or unwilling to process the wire request, and is not communicating to me as to why the wire is not being processed. Either the customer service agents are misinformed, or are outright lying to me about next steps, timing, and when/if the wire will be processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them. If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial ( hereby referred to as Ally ) has violated my federally protected consumer rights by illegally reporting my nonpublic personal information ( The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution ) to non-affiliated third parties ( XXXX, XXXX, XXXX ) they are in violation Pursuant to 12 CFR 1016.10 Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( a ) ( 1 ) ( i ) ( ii ) ( iii ) and ( 3 ) and ( b ) ( 1 ) and ( 2 ) and 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods et seq, 15 USC 1681a Definitions ; rules of construction ( 2 ) ( a ) ( 1 ), and 15 USC 1681b Permissible purposes of consumer reports ( a ) ( 2 ). Ally does not meet the requirements to report nonpublic personal information as defined by 12 CFR 1016.13 et seq, 1016.14, et seq and 1016.15 et seq Which are in accordance with 15 USC 6801 et seq, 6802 et seq, 6803 et seq by reporting to these non affiliated third parties without my written consent or without providing me a notice to opt out even after receiving notification of the aforementioned violations and others on XX/XX/2023 by certified mail # XXXX XXXX XXXX XXXX XXXX. No where in the Retail installment sale contract does it state that Ally may report anything to these non affiliated 3rd parties. Ally has also violated Truth-in Lending Act pursuant to 12 CFR 1026.4 Finance Charge ( a ), 12 CFR 360.6 Treatment of financial assets transferred in connection with a securitization or participation ( a ) ( 2 ) et seq, since the inception of the account which is defined under 12 CFR 1002.2 et seq as an extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth-in-Lending 12 CFR 1026.2 which they were also notified of on XX/XX/2023 as of today XX/XX/2023 Ally has not corrected the situation which constitutes a Breach of fiduciary duty for failing to exercise care in carrying out duties pursuant to UCC 3-307 and 15 U.S.C. 1681n - Civil liability for willful noncompliance. Ally has failed miserably to protect my nonpublic personal information on seven ( 7 ) separate occasions and has done damage to my credit on seven ( 7 ) separate occasions and failed to send notice to opt out on seven ( 7 ) separate occasions this has caused me unnecessary mental stress with their refusal to correct the aforementioned violations and identity theft, that shows a blatant disregard for the laws and my right to privacy which should have been protected at all costs by Ally and not sold to these non-affiliated third parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A