Date Received: 2024-01-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX I got an email that I had a username and password created and a checking account made in my name with ally bank. I dont do business with them and it wasnt me. So I called and they said it would be closed, they didnt close it. I continued to get emails that they added a XXXX XXXXXXXX bank ( which I also dont have ) for transfers. Ive sent letters, Ive emailed and Ive called ( and been hung up on ) they wont close this fraudulent account. If its not permanently closed I will be getting a lawyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Ally Financial, they were given multiple opportunities to not only remove the information from my profile in which I did not give them any consent, but to also prove that I owe them anything pursuant to an " alleged loan that they so called gave me according to their representatives ' ''. They are also committing language fraud by use of certain words when it clearly states in their 10K and 8K Indentured Trust documents at the top that they " DO NOT COMMIT LANGUAGE FRAUD '' but they do just that. It says that they've signed in their security agreement with the Security Exchange under 17 CFR 424, that they will not commit language fraud or solicitation. They've also waived their rights to receive any 'so called payments ' when they've blocked my first attempt of having my friend, XXXX XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX, to make any so called payments to this so called loan using his account to help me bring the balance current. My friend can contest these events and is willing to be a witness to more than a couple incidents in this regard. They even went as far as telling me in writing that I don't have any rights and over the phone. We have some of these phone conversations including them telling me that they couldn't accept anything other than a certified Bank check before stealing my consumer household goods. Prior to stealing my household consumer goods without just compensation, I warned them that they were breaking the consumer laws by ignoring my right to rescind any portion of the alleged one sided agreement that I allegedly gave them consent to do. However, I believe that my information and the cosigner information and signature may have been copied and pasted on other documents in order to bind us to these one sided agreements. I've also indicated to them that no one from their corporation showed up in person to give me any loan or money. Another thing that I've mentioned to them in the Affidavit regarding the rescission of my signature is that I do not want them to sell my information and to opt me out of that, and they responded that I don't have that right to do that. The federal reserve states that banks and financial institutions can't lend on their own money. However, according to a friend of mine who has their own financial institution that lends to real estate investors, they pool notes from depositors or investors and lend other people 's money on fractional reserve including using certain IRS forms triple dipping. Their actions are contrary to 12 USC section 1431, Powers and Duties of banks. The most troubling piece to this by far is that i've found out through a third party that they've made millions from my signature and my cosigner signature constantly selling the same contract over and over again without even compensating us for the use of our signatures, because without us putting our signature on that document they couldn't make any interests. For this matter I've invoked the IRS for identity theft and tax evasion and how they are moving the money around that they are stealing from consumers. They used my household goods as a way to extort more money from me other than the note ( aka ) security that they received from me. As before and after taking my consumer household goods. They've used both the so called contract as an asset including my personal property ( aka ) household goods. They've waived their right to cure this situation when they stopped me from making an online payment and a payment over the phone. They've made this situation worse than what it is. This is pure greed, usury slavery/peonage, fraud in the factum, deception, racketeering, theft by stealing our interests and putting it all into a pool with other investors while moving it all into trust for their indenture trustee to manage. Charges shall be brought upon all of these criminals and I'm seeking that all of their businesses and personal bank accounts be frozen until investigation is completed. I will be also sending the most recent affidavits that they've avoided to reply upon what was being requested as evidence, including an affidavit of truth for them to sign under penalty and perjury in good faith but was ignored, which validated and indicates their fraud and deception. Regarding Ally, the Previous Tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Received XX/XX/2023 at XXXX The very most recent notice sent out to them, was ( Notice and Default and Failure to Respond ) with intent to sue Tracking # XXXX XXXX XXXX XXXX XXXX In regards to the scammers running Ally to commit fraud in the factum : to remedy this situation, the only option after violating all of my rights, for identity theft under 5 usc section 522a causing me severe damages, emotional stress, depression to where I just want to give up on life, invasion of privacy, selling private information to third parties, sending people to follow me, fear of loss of credit opportunities, losing multiple opportunities, completely embarrassing me at a location they've stolen my property without just compensation including following me at a location I've never gave them by stalking me, including disturbing the peace by stealing my automobile at my work place I've never gave them, including almost running down a security officer at my work place while being told that they're disturbing the peace, I'm seeking for them to remove the account from me and XXXX XXXX XXXX XXXX credit profiles and also monetary relief in the amount with interest pursuant to the terms of the tacit agreement for each day that they continue to violate without compensation, from the time they were warned to now and each day after until it's removed and I receive monetary relief. I'm also seeking for the FTC and FBI and others to charge them for such crimes and to go after them to investigate these matters as well for all other consumers as well. I no longer want to waste anymore time going back and forth with these individuals who are running these fraudulent businesses stealing money and interests from the true creditors. Something has to be done immediately about this because they will continue to violate me and others without any respect to the consumer laws or law in general. They are using Delaware Corporations because they can get away with fraud. Furthermore : I'm demanding that none of their Attorneys or Lawyers reach me or get involved in these matters because they have no first hand knowledge of these matters and anything they say is hearsay. My issue is with the people who are hiding behind companies violating my rights by committing fraud in the factum by deception to get wealthy and language fraud. If any Attorney/Lawyer continues to help them, then this will only prove that they are aiding and abetting these individuals and they are also liable shall be treated as wilful participants as well as contributing to these actions. This is due to the fact that they know exactly what these individuals are doing but yet they participate in these illegal and unlawful actions wilfully for currency. I refuse to accept anything else including any arguments from any of these people considering the fact that they waved an opportunity to cure these matters and it will only be a stalling tactic as usual. I've never even received an opt out notice from these individuals, although I've already written to them in writing to opt me out over six months ago but they refuse to do so. So with that said, I'm the owners, representatives, board members of Ally, including the information I've already disputed multiple times with the Credit Agencies to opt me out : I'm demanding for these companies to opt me out under 16 CFR section 313.7 Forms of opt out notice : ( F ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Also to remove the disputed accounts from my credit profile immediately. Again, the documents that I've sent to these scammers who are running these companies, I will be sending the same documents to the CFPB, the Attorney General, the FTC, the FBI, and the S.E.C, so that charges such as conspiracy against my rights, racketeering, identity theft by misrepresentation of my information and other, extortionate credit transactions, fraud in the factum and more, can be brought up against these people. I urge the FBI and the FTC to freeze both their personal and business assets to investigate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. XXXX XXXX With this company I didnt give them authorization to run my credit at all. XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. XXXX XXXX XXXX With this company I didnt give them authorization to run my credit at all. XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. XXXX XXXX XXXX XXXXXXXX I didnt give this company authorization to run my credit at all. XXXX XXXX XXXX My credit wa ranned twice with them, I didnt give them authorization to run my credit. XXXX XXXX XXXX credit wasnt supposed been ranned at all with this company. ALLY FINANCIAL-XXXX This company didnt have the authorization to run my credit at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: why is this account being reported with 2 different dates of last activity? which reflects on my credit report as of XX/XX/2024. per Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 15 usc 1666 b A creditor may not treat on open end consumer credit plan as late for any purpose. Ally Financial sold the debt to a third party which violates FCRA 15 usc 60802 ( b ) Identity theft A financial institution may not disclose non public personal information to a non affiliated third party. 15 usc 1692 ( f ) # 6 unfair practices talking or threating to take any non judicial action to affect or disablement of property. Ally sold the debt and says it is closed yet are still reporting it as late on my credit, aswell as hurting my EX husbands credit XXXX XXXX, and sending harrassing letters after i requted them to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/24 XXXX PST : I try to log into my Ally Bank account and discover that it's locked. I call the phone number provided by the app and get forwarded to the fraud department and wait on the line while Ally attempts to verify my ownership of my other financial accounts. The Ally representative tells me that I will hear back from them soon. XX/XX/24 XXXX PST : I try to access my account again and discover that it's still locked. I called the number provided and this time the Ally representative informs me that they are not allowed to discuss my account if I have been forwarded to the fraud department. I had a XXXX of my paycheck direct deposited into my Ally checking account to test out their services since I am looking for a new bank. Now a decent portion of my income is frozen and I can't pay rent. None of the XXXX other financial institutions that I'm testing out froze my account and Ally won't tell my why they decided to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was offered a loan in XXXX at XXXX by this company despite my credit issues. The principal was paid over the amount but ally kept putting the principal payment towards the interest at the beginning of my loan. They were supposed to hold payments due to covid after my request to do so by order of the government but they didn't give me that time. They repossessed my car and pretended someone stole it after I reported the fraud on my principal payments. This was a santander loan they got in trouble with. I notified the governor and they said I had grounds to sue for near XXXX. Ally sold my car then got XXXX for it and wrote it off because it was more than I owed on the car att. There should be no debt for this vehicle as they sent me notification of the sale of the car but they put me through collections anyway. It's on my credit report. I want it taken off. How much fraud can one company do. This is absurd that you would respond and say you don't do business with anyone in XXXX. I just moved here. Car was taken from XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020. Right after the governor sued this company for loan fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/ I contacted Ally because I had been sick for quite some time but I still managed to pay my bill even if it was a couple of weeks late. I asked them for a deferment. I was first told that they didn't offer deferments per their rep XXXX. Then when I pressed the issue, she said that they called it something else. She then gave me a big amount to pay just so that the next payment could be decreased. I asked how that would help me? Then she said that she was sending it up and allow XXXX business days for the paperwork to be mailed out. I contacted Ally today because my next payment is rapidly approaching and it will reflect negatively on my credit. I haven't received any correspondence through the mail. I was told by another rep XXXX XXXX XXXX today that they sent the paperwork via messages on their site and because I didn't login to check my messages it expired and that I would have to reapply and that I had very little deferments that could be taken on the account because I allowed the other one to expire. He also stated that it could be denied. I didn't allow anything because their rep told me that it would arrive by mail within XXXX business days. I didn't receive any emails from them saying that there was a message in the portal or anything. I am not a mind reader. I'm still being charged very large late fees due to their miscommunication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28348
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: As I approached the end of my lease, I reached out to Ally to ask about the process and lease end date. After being transferred a couple of times to find someone who could answer my questions, I finally landed with someone who sounded like she knew what she was talking about. She was able to give me my lease termination date... great. I also asked her about the process to return the vehicle - she told me that I had to bring it back to the dealership I purchased from and they would do an inspection. After that, the leasing company would auction off the vehicle and depending on what was received at auction, they would bill me for the balance due. Well, I XXXX XXXX XXXX XXXX knew this part wasn't true- this is an example of a repossession, not a lease return. As frustrated as I was, I called again closer to the termination date to ask about the process. They told me that I could bring it back to the dealership and that was pretty much it. After calling the dealership, they told me that it didn't have to be them, that I could return the vehicle to any XXXX dealership and the leasing company ( Ally ) would take possession of the vehicle and do an inspection and then bill me for any amount due. The lease termination date was XX/XX/XXXX. I waited for notification that the vehicle was processed so I knew what to expect as a bill - there was never any notification, neither mail or email. My last vehicle payment was made on XX/XX/XXXX, in the amount of {$660.00}. On XX/XX/XXXX, I received a text message stating that my vehicle payment was processed - much to my surprise, as I no longer had a vehicle payment. The amount processed was the exact amount of my payment that had been set up on auto-pay. After visiting the website to check the 'auto-pay ' feature, I saw that the button to 'enroll in auto-pay ' was disabled, leaving me no option but to leave the previous autopay in place. I reached out to Ally via phone and sat on hold for about an hour before I had to hang up for work obligations. Right after that, I reached out via their messaging center to send in a request for two things -- 1. Documentation that stated the vehicle had been processed so I knew how much I owed. 2. My money returned, as there was no longer an option to manage 'auto-pay ' as my lease was terminated. Apparently, this means that they can just reach in to my account and take money any time they want?? Case in point -- still with no documentation to state the vehicle was processed, on XX/XX/XXXX, I received another notification that my 'payment ' was processed. They reached into my account a second time and just took the balance due ( {$620.00} ) - no notification, and still no documentation that my vehicle was processed. I am extremely frustrated at this ENTIRE process, however them processing payments that were outside of my lease agreement is the most frustrating. To this day, they still have no responded to my initial messaging request sent in on XX/XX/XXXX, after the first installment of the balance due was taken without permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: 1099a was sent to company to show the debt to be satisp
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A