Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've noticed unauthorized inquiries on my credit report that I would like removed. Ally Financial Inquiry Date - XX/XX/XXXX The number listed for this inquiry is not in service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: They have incorrect information on file about me that Ive never gave permission to use, theyve pulled inquiries that Ive had no idea of. And I have collections from a few that Ive had no part in at all.
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: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like Ally Finacial, XXXX XXXX XXXX finance, and many more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries on my credit report that I didn't authorize..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I'm not going away!!!!! I hope the CFPB will do its job and protect consumers like myself from Banks like Ally, XXXX XXXX, etc. Please note that Ally still needs to acknowledge the breach of their promise made on XX/XX/XXXX ( placed me on the do not call list ) by calling me on XX/XX/XXXX. Furthermore, I NEVER REQUESTED MY ACCOUNT BE CLOSED. To indicate so is deceitful ; your company closed my account because of your unprofessionalism and pettiness, nothing more. PLEASE ALSO NOTE : Ally is being deceitful about offering flexibility in payment options. I used to pay via ACH - I had 2-5 checks bounce from two banks due to financial hardship. I communicated my struggles. What was Ally 's response? " You have to have the bank fax us a letter confirming the accounts are open. '' HAVE XXXX XXXX FAX A LETTER lolololololol - impossible! I still tried and failed ; my only recourse after that was to pay via debit card ( late ). There is no logical reason to stop people from paying for their account via debit card if they are serious about past due balances. Lastly, I am in the process of filing other complaints against Ally wherever and however I can. I don't have the money to sue, but I can complain and will continue to until my debt is erased because their refusal to work with me to resolve {$3000.00} is unjust. PLEASE, CFPB, help the everyday American by holding these greedy corporations accountable. Why was my nearly XXXX credit score ruined by one unfortunate event ( engine failure ) and corporate insolence!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: Demanding full loan payment for repossession of vehicle.The payment app consistently is inoperable and is shutdown due to problem making it an issues to be able to pay bill. Signed up for auto pay yet the company did not take money out to pay bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX Ally Financial XXXX, ( Ally ) repossessed by XXXX XXXX. Reported it to all XXXX bureaus as a repossessed auto loan but per the contract information it is a XXXX Installment sales contact Loan. I'm led to believe Ally has made a mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on or around XXXX of XXXX I tried to use my credit card and it was decline, So I called Ollo Bank immediately to find out why. the Ollo Bank service representative said there were numerous online game charges to my card I explained that is wasn't me. I said my XXXX XXXX XXXX son might have done this. and she said that I was still responsible for unauthorized charges on my card that my son made. So i closed the card. I recently found out that a credit card company can't force you to pay for unauthorized charges. Ollo Bank has continued to report the wrong amount of my debt to the national credit bureaus. This company has all the proof that there company representative made a mistake by giving me wrong information. police reports, I.D . Theft Reports, and there actual recorded phone conversation that I had with the service rep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Auto Finacial was contacted by me today in regards to their auto pay policy because my checking account is accumulating fees due to Ally trying to retrieve the pay over 10 days earlier than the auto payment agreement, ally continues to charge my account before the agreed auto-pay date. this problem continues to persist with tacked-on fees from Ally. Their consumer services refuse to acknowledge the excessive attempts to charge my account before my payday and auto pay agreement and proceed to hang up on me leaving me with late payments and fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was an Ollo cardholder, but have not used the card in few years. I made one time purchase in XXXX for one year subscription for {$50.00} on this card, I made sure that auto-subscribe button was off. So it was one time deal for me, I paid my {$50.00} owed, and forgot about it. Back in XXXX of XXXX I came to find out that I was charged another {$50.00} from that XXXX XXXX I subscribed for ONE YEAR only, and accumulated some late fees on top, because OLLO became ALLY!!! I was not aware of it, as I get too much junk in the mail, and when I saw ALLY in my mail, I thought it was junk! As soon as I realized that I called the bank, explained what happened. They opened a dispute, I received a mail confirmation on XX/XX/XXXX. They asked me to contact the merchant and try to solve with them. I provided the bank with all the information I could find about that club I subscribed for. The phone number was not legit, the customer service options on their website were unclickable. There were no means for me to get in contact with that shady company. The ALLY resolution was that they find the charge legit, and I have to pay. I decided, that {$50.00} not worse the aggravation, so I called them up and said that I agree to pay {$50.00}, asked them to waive the late fees due to their banks changing, and to close my account. I paid the money, was granted fee waiver, and was told my account will be closed. On XX/XX/XXXX I received a mail confirmation that my account was closed. I have been bombarded by mail and text messages prior and ever since, the latest balance is {$57.00}. ( Attached is a picture to show the frequency of their mail, and there are also text messages and emails! ) .I been calling them numerous times, heard different stories, last one told me I already had {$27.00} late fee honored, she can not honor twice! Twice!!! There should only be one time fee removal, but because of their cycles, it kept rolling into the next cycle, or so I was told. This bank was nothing but headache to me and I wasn't even aware that I became their customer. I am accumulating more fees as days go by, but I feel it is unfair how I was treated, not able to get any help or resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A