Date Received: 2022-12-16
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: Incorrectly reporting information to credit bureau and not in a timely fashion. Reported no activity to XXXX for the month of XXXX when balance was paid and there was a XXXX balance. Then updated for XXXX to XXXX when balance was XXXX. Multiple times Ollo credit card has not reported payment and balance information that I have had to call and resolve after many many attempts and complaints. My credit score is inaccurately reflected and this is multiple times now that I have to call and dispute to get resolved in which they require me to send a mail to them with my credit report and the error which I shouldnt have to do because its their fault. Also I submitted a dispute with XXXX about the inaccuracy and Ollo still doesnt respond to the dispute with ACCURATE information AND XXXX isnt following up on the innaccuracy of the report. I made a complaint with XXXX that olllo was incorrectly reflected for XXXX and they closed the dispute without making any changes. I was going to buy a car today and their inaccurate reporting has caused my credit to drop and therefore higher interest rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Account Name : ALLY FINANCIAL Account # XXXX / Account Name : XXXX XXXX XXXX XXXX Account # XXXX has violented my rights. 15 USC 1681 Section 602 states I have right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without a written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have repeatedly attempted to contact the company Ally Auto XXXX about my auto loan. My loan is past due and I do not want to default. When I call their automated system and attempt to speak with someone almost every time I call I get rerouted through the phone queue and asked to renter my account number or social security number, then when I do Im put on a hold to wait to speak with someone and then after holding for so many minutes the call either goes back into the queue and asks for the same information or I get hung up on by the automated queue system. I advised several agents that this is happening and its not been fixed. There seemed to be no or limited US-based agent support. Everyone I talk to is offshore support outside of the United States and this is not helping with my situation as there is language, business knowledge, and a general understanding of how financial institutions and services work in our country by persons that do not live and do business in the United States. I need help and can not seem to get it. Please help me come to a resolution with Ally in regards to getting my account back on track and an extension agreement in place and a good point of contact in the United States to work with to ensure my account is handled correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1099-C has been filed sent to IRS along with Ally Auto and a cease and desist letter. This information has also been sent to XXXX and they still report on my credit and this account information has been incorrect numerous times and Ally Auto has already been sued for FRAUD.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2022 fraudulent charge of {$70.00} was reported to Ollo. Card was cancelled and replaced. I have not used the card since paying off the balance in full of {$760.00} on XX/XX/2022. I have called the company to attempt to get the incorrect reporting of me being 30 days late on my payment in XXXX corrected, I provided a police report, I have wrote Ollo a letter, I have filed multiple online disputes, and I have filed a previously complaint with CFPB and yet Ollo or Ally still continues to report me as being late on my payment when I owed no payment due to the charges being from a fraudulent charge. The balance to the account has been corrected but late payments are being reported on my credit due to the fraudulent charge of {$70.00} in XXXX. I am requesting that any and all late payments that have been reported by Ollo after XXXX are deleted because it is affecting my credit score.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Ally Bank has locked me out of my account and their website. I was receiving security codes to my XXXX cell phone to access my account, with email as a second option. In XXXX, Ally notified their customers they would stop sending security codes by email. Now they have instituted a policy that they will only text codes to XXXX cell phone numbers, effectively locking me out of my account. Their support office told me I need to get a XXXX cell phone to access my account. I pointed out again that Im in XXXX and have no need for a XXXX cell phone, and have no way to open an account from here. Their response was to repeat that I need to get a XXXX cell phone or access to XXXX belonging to someone else. They werent able to explain how sending my security code to someone else improved my security. They wont text to XXXX XXXX accounts so that wont work either. I filed a complaint with customer support but of course no one from Ally has contacted me as they promised. I am locked out of my account and Ally Bank has made no effort to help me or the others affected by their recent decisions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I set up an autopay arrangement on Ally 's website but not one payment was drafted and after 4 months I checked and the account had been charged off. I called to ask what happened and why has no payment been drafted and I was told that my account is charged off and there is nothing I can do to get it back. This is WRONG and I want my account reinstated so that I can finish paying my car off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Dealer was very pushy and refused to let me read the contract on his computer screen. After signing contract with dealer consumer contract was transferred without my knowledge. I found out credit was extended through Ally Financial. I made the first payment online using my debt card before due date. I then submitted a negotiable instrument transferring my interest in note to Ally to apply interest to the principal. Ally received payment instrument and instructions for the trustee and did not comply with the RICO Act, TILA, CFPA, or the UNIFORM COMMERCIAL CODE. Ally did not present the instrument and did.not have a qualified third party dishonor the instrument in writing nor did they allow me an opportunity to Cure the Dishonor Ally placed my account in fraud status and has refused to allow me to make payments as I had made first one. This was not in the original contract and I as Beneficial Owner have not agreed to any such changes. Again a violation of Regulation Z and the RICO Act. I requested a Billing Dispute but have not been offered remedy by Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/22 I applied for a Ally XXXX XXXX and was approved. I received an email that I would get my card in 7-10 business days. After the initial 10 business day wait time I reached out concerned because I had not received my card still. The representative that I spoke with said that they were having a issue printing the cards and to give it to the next Monday and if I had not received it to call back. I waited that time frame and then some, I ended up calling that next Wednesday as I still had no card come in the mail. When I called that time the representative was not very helpful, she said the same as the other lady that my card had been shipped but she could not give me a tracking number. I told her this made me uneasy and that I was beginning to worry about the validity of their company. She stated they were having issues making the cards and this was causing issues for customers to receive them to which I said but my card is already made if it has been shipped so I am not understanding. She said that all she could tell me was what she already had and that if I wasn't satisfied she could escalate me to a supervisor which I asked her to do because I was very uneasy with how this was all going and that it sounded very scam like. She placed me on hold for sometime and finally came back and said that her supervisor would be busy for quite a while and she couldn't keep me on hold that long. She said that he would call me once he was freed up from his current call. He never called. So this has now hit my credit as an account but I am unable to get them to produce a card or account that I can use. Any communication is met with the same response and I am left back at the same place I started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I deposited an envelope into the mailbox at the corner of XXXX and XXXX XXXX on XX/XX/2022 and it was addressed to attorney, XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Enclosed was a check # XXXX for {$2000.00} for his services. I made sure the envelope was completely in the box and left. After a week, XXXX XXXX called to say the check had not arrived at his office. Since I valued his services, I offered to pay him via XXXX and did that on XX/XX/2022 for {$2000.00}. On XX/XX/2022, I saw in my Ally Bank account app that the check, XXXX, had cleared but for {$5600.00} in the name of XXXX XXXX. I immediately called Ally Bank to tell them that I had been defrauded. They told me they needed to initiate a fraud investigation and that I would need to close the current account. That day, they created a new checking account for me and told me it would take approximately 2 weeks to resolve the issue. A few days later, they froze both the defrauded account and the new account and will not give me any further details regarding whether they will pursue a criminal charge or if XXXX XXXX is a legitimate person or a pseudonym. Currently, I have not been reimbursed for the {$5600.00} and have over {$9000.00} in the checking account that is inaccessible - Ally will not give me further details about how long this will last, other than to say it may be 90 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A