Date Received: 2023-01-23
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Activity on XX/XX/XXXX for the amount of : {$300.00} Action were taken : Called and talk to dispute personneldirectly on XX/XX/XXXX Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with the case. Purchase Adjustment credit on XX/XX/XXXX for {$200.00} Called and talked to dispute personneldirectly on XX/XX/XXXX to follow up with a short of {$100.00} of exitingdisputed. Writing a letterand mail to headquarteroffice in New York Submitted document online to complaint about exting dispute Called and talked to dispute personneldirectly on XX/XX/XXXX to followup with a short of {$100.00} of exitingdisputed. As of today XX/XX/XXXX my dispute is not resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The credit card company called Ally, keeps sending me unsolicited pre-approved letters in the mail. I keep getting the exact same letters in the mail every other day, if not XXXX!! I have called them and asked kindly to STOP sending me unsolicited mail to me immediately, yet they are continuing to send it! Please help me, this situation is causing me XXXX XXXX and distress. Cease And Desist. RESERVATION # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have never given my consent for any company to report late payments on my credit profiles. This is also a breach of my right to privacy. Please see 15 U.S. Code 1666b Here are all of the late payments that have been published to my credit reports : Payment history guide 30 days past due as of 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 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: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This was an unauthorized inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a Ollo credit card that, it turns out, was issued by the XXXX XXXX XXXX according to the Ollo agent I spoke with on XX/XX/XXXX. I didn't use my card that often ; the last time was a few months ago, because it has a very high interest rate. In fact, I had to transfer a balance using a personal loan last year because the interest rate was over 30 %. Today I was looking to make a purchase with my Ollo card but it turned out that the account was closed. I looked through my emails and there were none from Ollo Card indicating that this would happen or that it had happened. The online Ollo " message center '' also did not include any messaging indicating my account would close if I didn't use, or that they had even closed it last month. I spoke to an agent XX/XX/XXXX and she told me the following : ( a ) that Ollo Card had closed my account in early XXXX ( b ) the Ollo Card had slipped into their credit card agreement a provision indicating that Ollo card doesn't have to communicate major changes to the account or impending changes to account status ( such as closure ) at all. That is, they can make changes to the account with informing the customer either before or after. Also, Ollo Card did not provide monthly statements for the last XXXX months and thus missed out on an opportunity to communicate impending changes related to my account. They did this deliberately, which was confirmed by the Ollo account rep I spoke with on XX/XX/XXXX. This was a regular practice even if I receive electronic statements. They only provide account statements in certain months of the year, which is not outlined in advance. This was just sort of the abusive practices that banks used to practice in the lead up to and during the housing crisis of XXXX. Its possible the XXXX XXXX XXXX ( Ollo Card ) was one of the banks that routinely failed to communicate with customers or " lost '' mail sent to them. But wasn't this practice the subject of new legislation in XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My gap insurance was never given back after traded in
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03054
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/ I spoke with representative at Ally Financial regarding my past due balance and future payments. My vehicle was under review for repossession and I aware that a payment was needed immediately. I advised the representative I made a payment of XXXX earlier in the week to show my effort to make payments and continue weekly since my job pays weekly and we are due for overtime since our production is going up. I advised I would make payments weekly now to catch up and get the balance back to current. She advised to make an additional payment of XXXX to avoid possibly having my vehicle repossessed. I agreed to do so the following day and she stated she would note the account. The following morning before I could go to work, my vehicle was dragged out of my driveway by XXXX XXXX which Ive experienced very rude service through the operator or dispatch. I felt violated and lied to. I was truly blindsided by this event which also caused me to miss days at work. Ally financial has truly lost their trust as an institution to finance my vehicle and I look forward to refinancing with a bank Ive had a relationship for many years now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I contacted Ally Financial to withdraw the funds from my account on the evening of XX/XX/XXXX. They told me my savings account was placed in a " dormant '' status since I hadn't added funds to it even though they never notified me about this status change or what I could do to prevent that from occurring. I then told them to close my account and withdraw the funds from my saving account to my linked XXXX XXXX XXXX. They told me that it would take XXXX - XXXX business days to close the account and transfer my funds. I contacted Ally again on XX/XX/XXXX and they said the transfer was in process. When I contacted them again on XX/XX/XXXX, they said there was a mistake and they failed to transfer my funds. They promised to escalate this issue and provide me an update on the XXXX. Since I didn't receive an update, I contacted them again on the XXXX. They said the account closure and fraud teams had outstanding questions which was preventing the transfer even though they didn't ask me any questions. Since the money was being transferred to the same bank account that was used to transfer funds into the account in XXXX, there should be minimal fraud concerns. Again they promised to respond to me later that day with an update. Since I again failed to receive an update, I contacted them again on the XXXX. They said the fraud review was completed but still didn't know when my funds would be transferred to my bank account. Repeated requests to escalate this issue and/or speak with a XXXX who could resolve this issue were refused. The absolutely horrible service that Ally delivered should be a warning to everyone never to use their service since there are many other financial institutions who provide better saving deposit rates with much better service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see inquiries on my report that shouldnt be there & thats effecting a lot on me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Didnt let my charges go through and cause my payment to fail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A