Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
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: This is not a duplicate nor is this complaint being filed by a XXXX party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have Child Support with ALLY FINANCIAL INC . I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XXXX, XXXX, XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( 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 XXXX 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 a my file at XXXX, XXXX and XXXX are 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 ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
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: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On or about XX/XX/XXXX. I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the new a/c system. So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXX XXXX XXXX said that they will credit the money to my account. I told them no, because the XXXX payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. I received an email from Ally that XXXX XXXX XXXX XXXX XXXX XXXX stating their resolution. I emailed over XXXX times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. To make matters worse Ally verbally expressed that I have still to make the XXXX payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made XXXX payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. His email is XXXX and from XXXX XXXX is XXXX XXXX XXXX My previous case number XXXX The case is not resolved. Ally keeps charging an illegal, unjustified fee of {$180.00} and changed the min payment and has NEVER provided a new maturity date for the loan had a payment of {$5700.00} is. ALLY verbally expresses that I still have to make the XXXX payments. It's a lie that they spoke with me and told me that my debt will be paid off sooner. I need to keep the same multi payment and know how many more payments I still owe, I need to know my maturity day, They must respect the same XXXX payment and should not be allowed to charge Other fees. Ally is being sued in multiple states for acting fraudulently, please investigate. Order them to provide me with the information that I have been requesting since XX/XX/XXXX Now, ALLY keeps changing the minimum payments from {$330.00} to {$360.00}. Asked for late fees when I am paying XXXXXXXX XXXX so far and charge {$180.00} additionally to the loan. Also claimed that the balance is {$15000.00} when the reminding of the loan is {$14000.00} ( After XXXX XXXX made the reimbursement of the Items that they failed to fulfill/installed due to their error ) If I don't have a decision with the correction that deserves my account, having less amount of payments since the debt is not longer {$20000.00} and the payment amount stays at {$330.00} and I don't receive a late fee for paying in advance. I will stop all together my payments until we have a resolution so far I pay XXXX, XXXX, XXXX, XXXX and tomorrow I will pay XXXX. If I don't get a resolution I won't make any more payments. Its stupid to force to pay late fees when I am paying in advance. ALLY is being sued in different states for similar fraud activities. DO SOMETHING STOP THEIR ABUSED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Facing financial hardship company is harassing me with calls and late fees according to law. I'm also sending my complaints to attorney general. From XX/XX/2022 until XX/XX/2022 I've been receiving harassing calls everyday from different numbers. According to 15 USC 1692d ( 1 ) Harrassment or Abuse. It does not matter if you owe an alleged debt that car is now my personal property! Company Ally Bank XXXX ( XXXX ) XXXX account # XXXX car vin : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: please remove all inquiries In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX ( input accounts ), 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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: I paid off the loan on my XXXX XXXX XXXX on XXXX, XXXX XXXX. I was told the title would be sent in 7 days. XX/XX/XXXX I was told they lost my title and they needed to send me a new title and I needed to wait XXXX weeks before I was able to do anything else regardless on this vehicle. I called the morning of XX/XX/XXXX and was told no one ever submitted a request for a duplicate title and that I will need to wait once again. This is insanely irresponsible for a financial institution to be operating in this way, lying to their customers, and now that I no longer owe them anything they are effectively holding my title XXXX, preventing me from releasing it, selling the vehicle or even obtaining the title. On my call on XX/XX/XXXX I was told I need to wait a minimum of 30 days again on top of this to have them get a second duplicate title and get it mailed out. At this point I have lost all faith in Ally financial to do the right thing on their own and feel I need assistance to ensure they do the bare minimum required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82070
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Today XX/XX/2022 I contacted via phone Federal reserve consumer help and they told me to file a complaint online. On XX/XX/XXXX I looked at my Ally Bank statement and saw that my account was down {$99000.00}. I then looked at the details and saw that somebody had written a check in my name to XXXX XXXX group XXXX. I did not write this check. I immediately called Ally and told them that somebody created a counterfeit check which looks nothing like my checks and did not have a signature on the check. in addition, the check number is a check number that I have in my office presently. Somebody got their hands on my home address and my account number and created a counterfeit check and stole this money. I could not believe that a bank would accept this check based on what it even looks like. The font is mismatched and as I stated above it does not have a signature on it. The company it was written to is a company I have no relation with at all. This money market savings account is an account that I established around 6 years ago and only have written about XXXX checks on it. I do not use this account because it is for my retirement. It is a savings account. I am really upset that it was processed and now I'm having to go through all of this to get this money back in my account. I get my statements from Ally Bank the XXXX of every month and the counterfeit check was processed on the XXXX therefore I did not see that this happened until I got my next month statement. It indicates that to me that somebody knows allies statement cycle. Ally Bank has opened an investigation and The investigation has been going on for 2 weeks. I have contacted ally Bank about six times in that 2 weeks. They have only reached out to me one time after my initial interaction reporting the crime. They have not kept me updated on anything. I have the images of the check. I have the front and the back of the check. Ally Bank will not tell me if it was a physical check or a mobile check. They are not giving me much information except that it can take up to 90 days to finish the investigation. I have reported the incident to the FTC and also to my local police department and filed a report. I was told to do this by my attorney so I did follow through. I have the police report number of XXXX. That report was done on XX/XX/XXXX. I contacted the FTC I believe on XX/XX/XXXX and made a report with them. I can provide you with the check image front and back. I am upset because Ally Bank not only processed this check but also because now I feel like I'm holding the bag while they do the investigation. It is a clearly fraudulent counterfeit check. I just do not understand why the money is not returned to me immediately and then they can do the investigation. I understand it is a lot of money and they probably want to get their hands on it first before they return it to me but that is not fair to me. I have been a customer of theirs for a long time and I put my money in Ally Bank for it to be protected. They did not protect this money. I am asking you to please investigate this situation so that I can rectify this as quickly as possible. I can not be held responsible for a counterfeit check that I had nothing to do with. We put our money in the bank for it to be protected and meanwhile they loan it out to make money on our money. I need them to protect my money. I understand there has to be an investigation but again I don't understand why I have to be the one out of the money while it gets investigated. I think that if anybody put themselves in my shoes they would feel the same. XXXX is my investigator at Ally Bank. As I stated before I have contacted them around 5 or 6 times in the past 2 weeks just to make sure that the case is being focused on. They have not given me much of any information. I really need your help. Thank you for your time and please reach out to me if I can provide you with anything else that you need. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a natural person, I am a living human being, I have rights I know my rights ALLY violated my rights in this contact numerous of times. I demand a refund and accounts to be removed or paid in full. The contract was breached or violated by : 15 U.S. Code 1605 - Determination of finance charge 15 U.S. Code 1640 a -Each violation is 2x finance charge 15 U.S. Code 1662 - Advertising of down payments and installments 15 U.S. Code 1692j - Furnishing deceptive forms 15 U.S. Code 1635 - Right of rescission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I bought a car XX/XX/2022 and they added extra fees without my knowledge I was told the car was XXXX plus tax and title fees but after signing everything my grand total jumped to XXXX. I went back the next day to cancel my loan and give car back which I have emails to prove. They also sold a car with bad brakes and incorrect lights that had me driving the car with no lights. I had my kids in the car which was extremely dangerous. I then had a meeting with XXXX XXXX who said he would buy my car back for what he sold it to me for since I was so unhappy about the purchase. I asked him to put it in writing and he sends a completely different email. I get a copy of my auto contract from Ally financial and I also got a copy of contract from the dealership XXXX they are different. This dealership is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I did not authorize the transfer from my Ally Checking account on to XXXX. Specifically, I did not authorize the transfer that took place. Under Article Three, subsection 3.12 ( Written Statements of Unauthorized Debit ) of the NACHA Operating Rules [ 1 ], any authorization is required to contain express authorization language, including the entities debiting my account and receiving my funds. [ 2 ] Based on reporting and public documents, XXXX did not use a dedicated bank account to receive user funds and instead used an unrelated entity which I have no relationship with, XXXX XXXX. XXXX XXXX and its agents debited funds from my account without my consent. Therefore, I have a good faith basis to believe that a valid XXXX Authorization was not obtained and the payment is unauthorized and fraudulent. I would like my debit for {$4900.00} from XXXX on XX/XX/2022 reversed via XXXX please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A