Date Received: 2022-12-06
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I was XXXX XXXX XXXX on Saturday, XX/XX/2022, just before midnight. I was threatened, cursed, and yelled at by men who screamed at me in the parking garage. The guy screamed, " this is a repo, give me your keys. '' I was so shocked and afraid I frantically ran away from him. One of the men laughed in my face as I told him he was making a mistake. He followed me to the parking lot 's edge and grabbed for the keys. I told him to please tell me who he was working for. He said, " it doesn't matter ; give me your keys. '' I tried to take a photo of him and his vehicle, and he stood in my way. I pleaded for him to return my vehicle so I could retrieve the orders I needed to drop off. He told me, " that's not my problem ; give me your keys. '' Then, he called someone on the phone, and the guy on the phone said, " give me your keys, and we will return the vehicle to you. '' He then he informed me if I gave him the keys, it would save {$75.00} and allow me to retrieve the items in my vehicle. I feared for my life and decided to give him the keys. Unfortunately, I gave the guy the keys with the hopes of him bringing the vehicle back to the car so that I could retrieve the orders from the vehicle. I was bamcar and lied to, and he never returned the vehicle. I had to call my employer and cancel all the orders I was supposed to XXXX. They left me stranded in an unknown parking garage on a major highway in XXXX, Texas. I did not make it home until XXXX after calling countless family members. By the time I could get home, nearly three hours later, and after calming down enough to think, I called the XXXX police department, who confirmed that Ally Financial hired XXXX XXXX XXXX. I believe Ally Financial hired multiple towing companies to follow me. I haveemployedady had a run-in with repossession people hired by Ally Financial, who threatened me in a filling station parking lot. Good samaritans surrounded me to protect me physically, and Ally 's repossessed people backed off. This incident occurred a few days after I filed for XXXX XXXX XXXX because Ally Financial refused to work with me. My vehicle was illegally repossessed on Saturday, XX/XX/XXXX, by Texas XXXX XXXX hired by Ally Financial. It was not a peaceful repossession and was taken from a private property garage. Ally Financial violated 392.301 of the Texas Debt Collection Act, which provides : ( a ) In debt collection, a debt collector may not use threats, coercion, or attempts to coerce that employ any of the following practices : ( 1 ) using or threatening to use violence or other criminal means to cause harm to a person or property of a person ; ( 2 ) accusing falsely or threatening to accuse falsely a person of fraud or any other crime ; ( 3 ) representing or threatening to represent to any person other than the consumer that a consumer is willfully refusing to pay a non-disputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute ; ( 4 ) threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts ; ( 5 ) threatening that the debtor will be arrested for nonpayment of a consumer debt without proper court proceedings ; ( 6 ) threatening to file a charge, complaint, or criminal action against a debtor when the debtor has not violated a criminal law ; ( 7 ) threatening that nonpayment of consumer debt will result in the seizure, repossession, or sale of the person 's property without proper court proceedings; or ( 8 ) threatening to take action prohibited by law. Ally Financial also violated 392.302 of the Texas Finance Code, which provides : In debt collection, a debt collector may not oppress, harass, or abuse a person by : ( 1 ) using profane or obscene language or language intended to abuse unreasonably the hearer or reader ; ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 3 ) causing a person to incur a long distance telephone toll, telegram fee, or other charge by a medium of communication without first disclosing the name of the person making the communication; or ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. Ally Financial allowed XXXX XXXX XXXX to hold both the vehicle and the property inside the vehicle XXXX for almost a month. I have called XXXX XXXX XXXX to obtain my job 's property from the car, and I was informed that Ally Financial has to approve me to retrieve the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Submitted identity theft report via certified mail on XX/XX/2022 as well as disputed the fraudulent account multiple times prior to certified letter using XXXX, XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XXXX of 2021 Ally Bank report an Repossession and then later change it to charge off. This is not correct the car was repossession from an former business partner of mind and and since the writ of sequestration was issued wrong Ally Bank owes me an bond or remove the account. If Ally Bank refuse it will leave me no choice but to file suit against Ally Bank under the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: Ally financial has sent me a debt on XX/XX/XXXX for a balance of XXXX. Then on XX/XX/XXXX for XXXX but a settlement for XXXX. I reached out to Ally financial for original documents for our agreement made. The papers sent back was with documents that I didnt sign personally and was forged. I was later informed that the dealership released employees for this exact reason. I received a letter in mail for a lawsuit ally fin. Inc. vs XXXX XXXX and XXXX XXXX. Where the debt was settle in court and I received a small payment on XX/XX/XXXX. On XX/XX/XXXX Ally sent another later still asking me to pay the debt that was settled in the law suite XXXX Its still reports on my credit making life hard for me. I would like for this debt to be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In 2018 My wife bought a XXXX XXXX and had never bought a car before. The sticker price was XXXX and when she walked out of the dealership she owed XXXX. She had no clue until I looked at it 3 years later. She was charged for gap insurance, and an XXXX warranty and the tire insurance and its funny cause it seems like the dealership, " XXXX XXXX and Ally financial made around XXXX each. And she even put down XXXX bucks down payment which didn't drop the price at all. Well when we had a problem with the engine we ended up having to pay XXXX bucks cause XXXX warranty didn't cover the cost. What we had done would have costed XXXX bucks to fix so it was like we paid XXXX bucks for the warranty XXXX for gap ins and I think XXXX for the tire insurance we never used and with the high interest rate and 6 year loan m, I added it up and Ally and the dealership made over XXXX each. So what. To buy a car, I have to pay for it twice if we don't have great credit. That seems XXXX to me. The rich get everything cheap and the middle class has to pay double. But the kicker is, my wife had no idea she had the gap ins and tire ins snd the extended warranty added. She sd the lady was talking extremely fast and my wife didn't understand that she was going to end up paying XXXX times what the sticker was. We owe like XXXX pr XXXX and if we hadn't had all yhst we'd have paid it off already. I'd like to know if the cfpb recognizes that this was intentional and why couldn't my wife speak with Ally financial, and as her lender shouldn't they he protecting her from the dealership raising the price of the car XXXX tines. You'd think they'd want us to pay the loan back. Or at least say something XXXX hey XXXX XXXX, you realize you're getting a loan for XXXX and the price I'd the car is XXXX. But no. They want as much money as possible just like the dealership.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, a debit from a XXXX transaction posted to my Ally account ending in XXXX. I discovered this on XX/XX/XXXX and immediately contacted Ally and filed a dispute with a customer service XXXX On XX/XX/XXXX, I was issued a provisional credit and I thought that would be the end of the problem. Please understand, I did not do a XXXX transaction in my Ally account. It was done by somebody other than myself, a hacker I believe. I never set up any XXXX to be done in my Ally account. That was done by the hacker. On the same day, XX/XX/XXXX, another XXXX transaction was attempted in that same XXXX Ally account for {$990.00}. Ally rejected that one but allowed the smaller one to be completed. I was never notified via email, phone call or text of these XXXX transactions by Ally. I discovered them when I was online examining activity on my account. On the same day, I transferred all monies from the XXXX account to a new Ally savings account ending in XXXX. I also changed user IDs and passwords to both accounts. I received a letter from Ally dated XX/XX/XXXX saying that Ally had rejected my dispute, that no error had occurred and that the transaction was completed with a merchant that I had an established relationship with. This is absolutely not true. I attempted to file a XXXX dispute on XX/XX/XXXX, this time speaking with a supervisor. On XX/XX/XXXX, I called back and was told that the XXXX dispute was denied. I called back on XX/XX/XXXX and was told that the dispute was closed not denied because it was deemed a duplicate. On XX/XX/XXXX, I spoke to a person in Loss Prevention and she spoke to somebody in the Fraud department and they said it was final. According to her the Fraud department said they spoke with XXXX directly and based on their communication with XXXX they came up with their final decision. Please understand, I was never allowed to speak with anybody directly in the fraud department, which is unbelievable and very frustrating to me. That the XXXX transaction was done is not the question. The question is whether it was done by me and how they could know that by talking with XXXX, I do not know. But let me make this clear, I did not do this XXXX transaction. I have only ever done and set up XXXX transactions in my XXXX checking account, period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hello, My is XXXX XXXX, I've tried numerous times to get a supervisor/manager on the phone to ask about my payment. Every time I call it's someone that doesn't speak go XXXX so they don't understand what I'm saying or keep repeating the same thing. This is very frustrating when I need to talk to someone about additional fees on my account. I have been suffering from XXXX with other to my already compromised immune system. This company isn't fair to us consumers and they don't listen or help. The amount that's in is being questioned is {$400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My personal information was given out to unknown unreported inquirer and no information was given or no notice given. My account was used to give a creditor I had no Affiliations with inquiry to my personal banking. XXXX XXXX abused length of account on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX and XXXX of XXXX, I disputed ( 3 ) charges. With the disputes, I provided phone records, emails, XXXX correspondence, dates, names, and times of the companies in question in response to OLLO 's investigation. In XXXX, XXXX, and XXXX I received correspondence from OLLO stating that the cases were successfully closed in my favor. The amounts were {$490.00}, {$110.00}, and {$130.00}. I recently received notice from OLLO stating that they reversed the credits back of {$130.00} and {$110.00}. This would be the 2nd time they have done this. I've spoken to ( 6 ) customer service representatives at OLLO some were helpful and some told me that I would have to wait for another investigation. OLLO card services refuse to help me the consumer and has sent me ( 2 ) letters stating my case was closed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 602 states i have right privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A