Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/XXXX I purchased a XXXX XXXX XXXX and the car got illegally repossessed XXXX XXXX XXXX The car was sold in an auction and the remaining balance to pay was {$7700.00}. After looking at my contract on the back under " Other Important Agreements '' section number three letter F " What we may do about optional insurance, maintenance, or other contracts it says in verbatim " This contract may contain charges for optional insurance, maintenance, service, or other contracts. If we demand that you pay all you owe at once or we repossess the vehicle, you agree that we may claim benefits under these contracts and cancel them to obtain refunds of unearned charges to reduce what you owe or repair the vehicle. If the vehicle is a total loss because it is stolen, confiscated, damaged, stolen we may claim benefits under these contracts and cancel them to obtain refund of unearned charges to reduce what you owe. '' From my understanding reading this on the contract I don't anything cause its been confiscated. Also pursuant to USC 1692f number 6 making or threatening to take any nonjudicial action to effect dispossession or disablement of property ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, 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 can exercise that nondisclosure option. Meaning there wasn't a court order for my car to be repossessed so essentially they have stolen my car illegally. The company ( XXXX XXXX ) who repo 'd my car didn't knock on my door with a court order from a judge to rightfully repossess my car. That's a third party entity that I have no contracts with on the matter, I have a contract with Ally Financial not XXXX XXXX. At that without my permission Ally Financial gave XXXX XXXX my information without my permission pursuant to 15 USC 1681b Permissible purposes and XXXX XXXX some how got into my gated community to get my car without my permission to give them access to the premises so that's trespassing which is against the law! That's identity theft pursuant to 15 USC 6802 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. Seeing I wasn't notified about anything regarding XXXX XXXX to repossess my car. Section B exceptions states This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. I was never fully disclosed about XXXX XXXX at any point of my business relationship with Ally Financial and it was not any contractual agreement on the matter wit XXXX XXXX so they didn't have my permission to even give that company my personal information. XXXX XXXX would be considered a non affiliated third party that Ally Financial exposed my information reason they came to retrieve my car with no court order by a judge! They didn't give me in writing explaining to me that they will be giving my information over to XXXX XXXX. Ally Financial was supposed to give me a non-disclosure form that give me the option to opt out giving my personal information to any third party affiliates but they didn't do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: ALLY auto My 2020 XXXX XXXX XXXX was involved in a total loss accident last week. My adjuster needs the payoff amount but Ally is refuse ng to send it. They say they need two weeks to get this completed. This is unacceptable as they should be able to give it to us either over the phone or fax or email. They are costing me money and will not provide a solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX locked me out of my account online. I called 6 times to get a resolution with no help. I was given a different answer every phone call with no resolution. They would ask for a payment on the account but couldnt seem to resolve the online issue. This account is not delinquent. Very poor customer service and resolution. As. XXXX I would not recommend this credit card company/bank. I was told the issue is in the backend and can not be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check through my mobile app on XX/XX/XXXX. It showed as deposited in my mobile app on that day, but by XX/XX/XXXX I still did not have access to the funds. I spoke to ally ( both a XXXX, and then sent to a real person ) via the mobile chat function and that person repeatedly told me that the funds had been deposited and became available on XX/XX/XXXX. I explained how that wasnt possible, that the funds would not become instantly available, and also that I have proof from the sending bank that the funds werent released until XX/XX/XXXX. The agent in the app feature repeatedly told me there was nothing they could do, that the funds has been released, and wanted me to believe I had simply spent or lost {$5000.00} ( the check amount ). When I continued to explain how that was incorrect, their response didnt change and they continued to maintain that my funds had been made available. I asked for a phone number and spoke with an agent on the phone who initially gave me the same non-sensical response, later claiming the money had been made available XX/XX/XXXX ( which was also incorrect ) but when I explained that I am very thorough about balancing my checking account, and that I would ask CFPB to investigate, there was suddenly more information available and the agent acknowledged that I had in fact never gained access to the funds and that it would be up to XXXX more business days before I would have access ( which would now make a total of XXXX weeks before I had access to the funds ). I am extremely uncomfortable that XXXX different agents tried to either convince me that I had the money and spent it, or simply gave me varying information depending on how assertive I was, and also that to this day I still do not have access to the deposited funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: ALLY credit card company said they did not receive my payment or it came back as insufficient funds and it dropped my credit score down XXXX points but my bank shows that it was taken out on XXXX XXXX when my bill was due on the XXXX so I paid it early and they say they did not receive it so it made my account late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I noticed an unauthorized transaction that was made on XX/XX/XXXXXXXX and notified Ally of the unauthorized transaction on XX/XX/XXXXXXXX via their dispute process. My account was credited and I moved on with my life. Then on XX/XX/XXXXXXXX I got a notification for an unauthorized transaction and upon calling Ally, I was informed that Ally had determined that the charge was authorized and they were taking back the credit from this transaction. When I asked how I was being held liable for an unauthorized transaction, I was told that the team that investigated the transaction had determined that the transaction was authorized, but I wasn't able to speak with anyone involved in making that determination. I was also told that I could submit further documentation to show that the transaction was unauthorized. When I mentioned that I couldn't prove a negative, they didn't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint regarding unfair credit practices. that i have experienced. The actions taken by Ally Financial, have negatively impacted MY consumer report and has VIOLATED.my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I recently obtained a copy of my credit reports.on ( XX/XX/2023 ) and discovered several inaccuracies and discrepancies that are ADVERSELY.affecting MY CREDITWORTHINESS. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit agencies is an affiliate. XXXX, XXXX and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this Alleged Debt. If they can not provide this, then they must update this account on all consumer reporting agencies such as XXXX, XXXX, and XXXX any and all other 3rd party agencies. AS Paid As agreed. Further more,. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2023 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to update this account to paid as agreed, on my consumer reporting a.k.a credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60185
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received 3 separate emails stating that I had opened 3 checking accounts with Ally Bank. I never opened any accounts with them. I called several times and basically received the runaround. Today I received a letter from Ally stating that these accounts were now restricted due to unusual activity on XX/XX/year>. I called their fraud department and again was given the runaround and the person I spoke to was very vague and stated it would take 30 days to review and someone would call me back. I am very upset that 3 accounts were opened in my name without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance Dear Ally Financial/XXXX XXXX , I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of [ Company Name ]. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. 1. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where [ Company Name ] might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. 2. Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from [ XXXX XXXX XXXXXXXX XXXX, XXXX have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like Ally Financial and XXXX XXXX to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. 3. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge [ ally Financial and XXXX XXXX ] to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. 4. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that Ally Financal and XXXX XXXX initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. 5. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand Ally Financial and XXXX XXXX to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A