Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated. Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Pursuant to 15 U.S Code 1681 604 2 : It States a Consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Where do I start. On XX/XX/2022 Ally Bank Opened a Fraudulent Checking and Savings account. These account 's were not verified and I did not sign any account opening documents. Ally did not contact me to verify it was me opening these account 's and Ally did not send me a debit card or any account related documents, I have not received any financial transactions from these account 's. Then I further learn based on XXXX that Ally opened another checking account in XX/XX/2022. Again Fraudulent, and did not verify it was not me opening these account 's. These were opened by an identity thief and I did not receive any financial data or account related documents or items for these account 's. I find it interesting that I never received a debit card, checks nothing for these account 's Which I also reported to this company. On XX/XX/2022 These account 's were closed due to fraud. By me. Later I have learned that after the account 's were fully closed Ally Decided it was a good idea to go ahead and reopen the account 's once again not notifying me of this information. I received one letter dated XX/XX/2022 In this letter it says Here is a summary of the dispute ( Again no disputes were submitted ) In this letter it goes on to Falsely accuse me of having a relationship with this merchant of fraudulent transactions. Again, I am not sure where Ally is gaining their evidence but nothing has been provided to back their false accusations. It says this merchant is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX this is the first time I have ever received a piece of mail from this company. In their reason for decline it says We've concluded that no error has occurred and is considered authorized the disputed transaction was completed with a merchant with whom you have an established relationship. Again FALSE Accusations and incorrect information. Ally has not provided any documentation to back their false accusations. I then received a letter from Ally proceeding to tell me that I owe them {$4600.00} and that the account was reopened. Again all of their reason based on that letter was I have established a relationship with a MERCHANT IN ANOTHER STATE without proof, and AGAIN without a single debit card being received for these fraudulent account 's. I am a victim of Identity Theft and Ally is falsely accusing victims. Ally is also falsely and fraudulently conducting activity and stating I have an established relationship with these merchants when I haven't ever visited a single merchant that they listed. I do not believe they conducted any investigation and the actions being taken on the fraudulent account by closing and then reopening and then falsely accusing someone who didn't even receive a single debit card without proof seems like shady business and not how a financial instituion should be conducting conduct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Reference CFPB case Number : XXXX and XXXX Ally Bank was notified and received my correspondence requesting validation of a illegitimate debt they hold in my name on XX/XX/2021, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. They never sent me anything proving that I had any contractual obligation with them for any debt. They never provided a signed agreement between them and I proving that they have are the holder in due course or that we have any contractual agreement together. I never nor did XXXX XXXX receive any Loan from Ally Bank. All that was provided to me was a Retail Installment Contract showing a credit sale between myself, XXXX XXXX and XXXX XXXX XXXX I am the holder of the title of my vehicle with no security leins or judgments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom It May Concern : Ally Financial and XXXX XXXX XXXX has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts. According to 15 USC 1681 Section 602 A. States I have the right to privacy. According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for a line of credit on XX/XX/22 and was approved for {$1500.00}, which resulted in a hard inquiry on my credit report. I was told I could expect my card within 7-10 business days ( by XX/XX/22 ). I contacted the company to follow up after two weeks and was told they simply can't issue and manufacture cards. They have no idea when the card will be available to me, despite my application approval. I submitted an inquiry and received no follow up or communication. It's been a month now and there is still no estimated deadline for issuing a credit card. I have received a hard inquiry on my score for a line of credit I have no access to, or no promise of access to. It's incredibly unethical to accept applications and pull credit for cards and funds this company has no intention of providing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had an auto loan open with Ally Auto ( Ally Financial ) during XX/XX/XXXX- XX/XX/XXXX. I never had a late payment on this account. I have the payment history for this account from Ally Auto. During the first week of XXXX, I noticed that the account was marked as 30 days late with XXXX credit bureau. I started the dispute and the account was updated correctly. I contacted Ally Financial and they verified that the account was never late and provided me with a credit reference letter. However, in the last week the updated credit report ( with incorrect payment information - marked as 30 days late payment ) was sent to all three credit bureaus. namely XXXX, XXXX and XXXX. I have started the dispute with all 3 credit bureau It seems Ally Auto has some incorrect information on what they are reporting on my account to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47304
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I attempted to resolve the issue with Ally multiple times with no success I've sent in multiple affidavits that they have yet to respond to I have also extended a grace period in hopes that they would remedy the situation civilly but they did not Im sending in my final notice in hopes that they ( ALLY ) follow the law and do the right thing here in the attachments are the labled exhibits and all of the laws that they have violated as well as the unrebutted affidavits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 at XXXX I submitted a monthly ACH transfer through Ally Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for {$38.00}. I performed this transfer routinely, nearly every month for the past 2 years. To make ACH transfers, Ally requires customers to select an institution they have previously added from a standard select box. These accounts can't be altered by the end user unless it's removed first, which I confirmed repeatedly with representatives. I've attached a photo showing the select box with the ( current ) incorrect account number and email confirmation I received indicating the correct account number was originally selected. On XX/XX/XXXX, I noticed I received a late free from XXXX and contacted them to figure out why they hadn't received my money I sent a week earlier. I was informed they never received it and was advised to call Ally. At XXXX I called Ally and was disconnected when I was placed on hold. I called back at XXXX and had a spoken to a representative for nearly XXXX minutes. The representative was able to determine that XXXX had sent a notification to Ally that my account number had changed, so my ACH transfer was unknowingly sent to an account number I have never been associated with ( ending in XXXX ) instead of my normal account ending in XXXX. They told me they would open a dispute, would provide the information they found, and that I would receive a phone call back for more information from the proper department.They advised I call XXXX to dig into why they received the account change notification. I called XXXX which denied having such a system in place. A few days later the {$38.00} was debited to my account temporarily while the investigation continued. Over the next few months I repeatedly called Ally, I've attached screenshots of my call log. On XX/XX/XXXX I contacted Ally at XXXX because I had received a dispute form in the mail that required me to select one of several options which didn't fit my dispute. I spoke to a representative at that time that advised I put " see the backside '' and write that I needed to receive a callback as promised to further explain the situation. I asked if they were certain this would be seen by an employee and this would work, they assured me it would. I filled out the document as directed and sent it back to Ally. On XX/XX/XXXX I noticed a vague charge labeled " Withdrawal ''. Admittedly the dispute wasn't on my mind since I hadn't received the callback promised by the previous two representatives. I was concerned my account was compromised, so I called at XXXX to ask what the charge was for. They informed me the dispute was rejected and I asked why I hadn't been called like I was promised. The representative originally told me to file another dispute, but when I expressed I had already did that she told me to call back tomorrow after XXXX eastern to speak to the back office directly. On XX/XX/XXXX I called back at XXXX as suggested and spoke to a representative. I told her the previous representative had added notes to my account explaining what needed to be done, but she instead investigated on her own despite my continuous requests to speak to someone for escalation. She finally reached out to the " back office '' and spoke to someone, who assured me they would call me within 1 to 2 business days. I asked for a reference number, they provided XXXX which I later found out was a dispute number. On XX/XX/XXXX at XXXX, I called back and spoke with another representative that informed me my dispute was already in process. They couldn't provide any information why I hadn't received a call back like I was promised. They did inform me that my prior calls were scarcely noted, despite being told otherwise by each previous representative. I requested my call be escalated and was transferred to a supervisor. The supervisor looked further into this and couldn't tell me why I hadn't received any of my promised calls, only that the department I needed to speak to was off Sunday and Monday for XXXX. She told me I should call back tomorrow after XXXX and ask this to be resolved " today '' since she could also see this was a bank error. I was informed there's no way for me to directly reach " the back office '', they must contact me directly. On XX/XX/XXXX at XXXX, I called Ally for the last time which resulted in a XXXX hour XXXX minute phone call. I spoke to a representative who informed my dispute was in process and said nothing else could be done. I insisted I speak to someone, so they transferred me to a supervisor. The supervisor was able to determine that past representatives had scarcely noted my account and my dispute barely had any information that would indicate the true extent of my issue. He told me he wanted to look into why I was repeatedly promised a phone call back and never received one, which he verified on his end. I explained that my ACH transfer activity shows the money was sent to the account ending in XXXX, but my account ledger shows it was transferred into a different account. He confirmed he could see that on his end as well. He found out a lot of information during his investigation, but he informed me that what I was told the first time was accurate. The system Ally uses received a response that the account number was incorrect and had changed, so they automated updated my account to reflect the correct account. I expressed that I had never approved this change, I was never informed of this change, and I had sent the money to a different account so it's not my fault this was sent somewhere else. I wanted my {$38.00} back, it's been 3 months. After speaking with two other departments he was able to determine that I would need to contact XXXX myself and give them the trace number for the transaction because Ally wouldn't do anything with the dispute until I did that. I expressed displeasure that Ally made a mistake and now I was being told to call the other institution for them, I just wanted my money back. I had no other recourse, so I called XXXX at XXXX and after XXXX minutes on the phone, they informed me they would reverse the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The referenced lease was obtained using the attached fraudulently signed document. The signatures on the attached document ARE NOT my own. Ally is abundantly aware that this lease was obtained by the dealership submitting fraudulent documents. To be 100 % clear, this complaint is in no way related to any previous complaint and requires a response other than " we already looked into it - nothing to see here ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. ( Ally Financial ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to Off Lease Only and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of Off Lease Only and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted Ally Financial to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly Ally Financial and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from Ally Financial No Account found via My social security number. Sincerely XXXX XXXX XXXX XXXX
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: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A