Date Received: 2023-01-04
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a 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: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XX/XX/2020, Ally Financial repossessed my vehicle. I didn't consent to any paper work for them to resale my vehicle, because initially I wanted to pay to get the vehicle back. The car was then resold without my consent and there was a remaining balance of {$41000.00} left for me to pay. By law, I was supposed to receive a bill of sale or some kind of documentation stating what the car was sold for. I haven't received anything from Ally Financial. They also falsely reported late payments onto my credit. I have reached out to the company to resolve this, but they haven't gotten back to me. I am asking Ally Financial to delete the entire profile due to false reporting and failure to provide the XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX Re : Inquiry I was looking over my credit report and noticed I have an inquiry from your financial institution dated XX/XX/XXXX. Your inquiry is an indication you access my credit profile without my written consent as a result you received benefit for the use of my consumer credit application and was compensated. However, the consumer was denied. Please make note that adverse action against a consumer is against the law according to the Equal Credit Opportunity Credit Act which codified in 15 USC 1691c and Pursuant to liability under 15 USC 1692k. You are subjected to criminally liability for violating 15 USC 1691 has I have proof that I was discriminated against based off the inquiry date from my consumer report and I received no benefit from your corporation. Your financial institution is in violations of 15 USC Code 1642, 15 USC 1681m and 12 C.F.R. 1001 because I, the consumer, made an application in good faith but no credit was granted. Further, because my social security number ( credit card ) was used and I received NO benefit is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of your Financial Institution. The is an act of Aggravated Identity Theft. If your Financial Institution fails to make reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make your financial instiution criminally and civilly liability for all he actual damages pursuant to 15 USC 1681n and 15 USC 1681o. You will remove this inquiry from XXXX, XXXX, and XXXX. Respectfully, XXXX XXXX XXXX, Agent Without Recourse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ollo Card Acct # XXXX - Someone in XXXX credit reporting Department is COMMITTING FRAUD! I have sent XXXX 2 direct disputes. I have spoken to FOUR dispute supervisors. 2 dispute supervisors have ESCALATED my recent dispute. Someone in the credit reporting department of XXXX is NOT reporting my monthly payments. However, they are committing FRAUD by FRAUDULENTLY reporting charges and over the limit transactions to my credit file that I NEVER MADE. I have NEVER gone over my limit! NO ONE at XXXX can tell me HOW or WHY this FRAUD is happening. NOTHING HAS BEEN CORRECTED ACROSS THE BOARD! XXXX THROUGH XXXX PAYMENTS ARE STILL MISSING! I want a THOROUGH INVESTIGATION PERORMED on my account & the reporting of it AS SOON AS POSSIBLE! I need XXXX to ACCURATELY report ALL information to my account. I need EVERY missing payment for EACH month, EVERY available credit balance for EACH month and EVERY credit limit for EACH month reported ACCURATELY & TRUTHFULLY! I pay my bill EARLY each and EVERY month. However, my credit report is NOT reflecting this AND my credit score has DROPPED XXXX POINTS at EACH major credit bureau! 1. There was NO XXXX payment reported to XXXX. 2. There was NO payment reported for XXXX, XXXX or XXXX to XXXX. 3. There was NO payment reported for XXXX, XXXX or XXXX to XXXX. 4. On XX/XX/XXXX and XX/XX/XXXX, XXXX FRAUDULENTLY reported that I made {$430.00} in charges and a balance due of {$540.00}, which means I charged {$45.00} OVER MY CREDIT limit. My credit score has PLUMMETED OVER 40 POINTS SINCE XXXX. I directly disputed these false, inaccurate & FRAUDULENT reports with XXXX in XXXX AND AGAIN on XXXX the XXXX, and now AGAIN on XX/XX/XXXX. It has been WELL OVER 30 DAYS! My credit reports should have BEEN CORRECTED! PAYMENTS ARE STILL MISSING! I need ALL of these corrections made as soon as possible. You are making FRAUDULENT, erroneous, inaccurate reports & statements to my credit files.You are also reporting FRAUDULENT charges and statuses. You are DESTROYING my credit worthiness and reputation. You are DEFAMING my character! According to 15 USC 1681a You did not perform your LEGAL, GRAVE RESPONSIBILITY. You have also been UNFAIR & PARTIAL. You continue to knowingly & willfully commit FRAUD, violate my consumer rights and break the consumer FEDERAL Laws. If you fail to go back to XX/XX/2022 and ACCURATELY report EACH of my MONTHLY payments, balance due, and avaliable credit to XXXX, XXXX XXXX XXXX, within 7 Days, according to the law : 15 U.S. Code 1717a, You will be held accountable and fined to pay {$1000.00} per cusumer violation. If you fail to PREMANENTLY DELETE, CEASE & DESIST reporting ALL of these FRAUDULENT, ERRONEOUS & INACCURATE statuses & information from my XXXX, XXXX XXXX XXXX XXXX files within 7 Days, according to the law : 15 U.S. Code 1717a, You will be held accountable and fined to pay {$1000.00} per cusumer violation. I will also exercise my right to be awarded my compensation easy & fast through Consumer Protection 8. I reserve the right to commence in legal proceedings to recover the damages without further notice to you. This letter and all correspondences you received from me and the CFPB will be tendered as evidence of your failure to comply with the Federal Laws Established by FCRA, CFPB & FDCRA. Warm Regards, XXXX : XXXX Without Prejudice All Natural Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: The payoff keeps changing I only owe XXXX XXXX with one payment left now my account is lock out also my account is up to date ally Financial is giving me a hard time at end of loan I called several times and get hung up on I have XXXX XXXX of the loan paid off Im trying to end the loan which is a very difficult process with ally I dont deserve this I had this loan from XXXX with XXXX XXXX interest rate can u please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX, XXXX I received a letter from Ally Bank noticing me that Ally Bank ( they ) will be closing my account on or about XXXX XXXX, XXXX. The letter did not specify a reason while citing their right of closing any account at any time for any reason from the Desposit Agreement ( ally.com/da ). However, by closing my account on XXXX XXXX, XXXX, Ally Bank will be avoiding fulfilling a promotional offer ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) where they are obligated to deposit the bonus to my account on or by XXXX XXXX, XXXX. I have reached to Ally Bank customer service and they refused to provide a solution or fulfill the promotional offer terms. A reason I received from them is that they sent a letter to me on XXXX. XXXX, XXXX asking me to stop certain buying group activities otherwise they will close my account. However, despite it's questionable whether those certain use of my account is outside of their scope of service, I have stopped such use of my account since I received the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Contacted Ally for a payment extension as we were unable to make the payment ; rep denied request, stating we would need to make payment I made payment on the last day promised it would count against as late payment as it was on the deadline date. Contacted Ally spike with multiple reps and supervisors was told we would be granted a one time good will forgiveness by a supervisor and it never was approved followed up multiple times and no return call. We havent missed a payment since and still they will not grant the request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX make it clear I have a right to XXXX as a federally protected XXXX. Under the FCRA you can't report late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX According to the TILA, before a consumer enters into a vehicle loan contract, their creditor must provide them with a Truth in Lending disclosure that contains specific information about the loan. While the TILA requires for disclosures regarding a loan to be made, the law does not tell creditors whether they are obligated to offer a loan to a borrower or how much interest they should charge ( i.e. the TILA does not contain any regulations that place limitations on charges, fees, etc. ). Rather, the TILA is meant to provide information and transparency to consumers so that they can make informed decisions regarding crediting options. The disclosure requirement of the TILA deters automotive related creditors from luring consumers with appealing financing offers that end up containing hidden fees and costs. Many automobile dealers and creditors violate the TILA by hiding or disguising charges that should have been clearly written out in the disclosure. The law standardizes the way that these disclosures are presented creditors are required to use the same terminology and expression of rates in all of their notices. The Truth in Lending disclosure must provide a consumer with information regarding important terms of credit. For example, auto dealers and creditors must include the following information in their disclosures : The annual percentage rate ( or APR ), which is the rate of interest that a consumer will be charged for the loan over the course of a year ; and The finance charge, which is the consumers cost of borrowing the loan and is comprised of the total amount of interest and any fees that may be charged ; and The amount financed, which is the amount of credit that the consumer is borrowing ; and The total cost of the loan, which is the sum of all the payments that a consumer will have made over the lifetime of the loan and is comprised of both the repayment of the principal amount and the finance charges ; and The total number of payments ; and The amount of each monthly payment ; and The penalty amount for any late fees or charges. The information in the disclosure must be presented in a clear and conspicuous way. The creditor must give the consumer the disclosure notice before the consumer takes on the obligation of purchasing the vehicle on credit ( i.e. before the consumer signs the loan contract ). It is possible that the loan contract or the retail installment sales contract will contain the necessary TILA disclosures. If this is the case, the creditor will be in compliance with TILA as long as they give a copy of the contract to the consumer for reviewing purposes. If a consumer does not choose to purchase a vehicle on credit, the creditor is not required to provide a TILA disclosure. By receiving TILA disclosures from auto creditors, consumers are afforded the ability to compare the terms of different loans from different creditors. This way, consumers are able to pursue the loan that best fits their needs. If an automobile related creditor violates the regulations of the TILA, the injured consumer has the right to take legal action against the creditor. Under the TILA, consumers are provided with a private right of action and they can bring either an individual or a class action lawsuit against an offending creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A