Date Received: 2024-01-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Subject : Dispute Regarding Ally Financial Account Number XXXX Dear XXXX I am writing to dispute the inclusion of Ally Financial account number XXXX on my XXXX credit report. I believe my identity has been compromised, and I want to bring to your attention the discrepancy in reporting among the credit bureaus. All other credit bureaus, including XXXX, have promptly removed the negative account from my credit profile upon investigation. I have evidence to support this resolution. However, XXXX has not responded within a reasonable timeframe, exceeding 30 days for their investigation. Given that XXXX has already taken corrective action, I urge XXXX to expedite the removal of the contested account from my credit report immediately. Your swift attention to this matter is crucial in rectifying the impact on my credit standing. Thank you for your prompt assistance in resolving this identity theft issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have submitted all proof of payments to Ally from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: enclosed i will provide proof that ally financial in not properly furnishing my consumer report correctly. this is the second attempt to prove that my account was not late. ally financial submitted incorrect documents with wrong address and wrong account # claiming they sent me late payment letter 21 days before payment was due. for the simple fact that they sent document with the wrong account number and address convicts them of numerous violations. ally financial never gave me the option to opt out 15 USC 6802b. show proof that you gave me the option to opt out. it is all hear say, ally financial needs to provide me a copy of your bank statements proving when i paid or did not pay on time [ not a payment history ] anyone can make up a payment history. if you can not provide these bank statements everything else is hear say. provide bank statement proof. also provide proof that i actually received these letters in a form of certified mail. if you don't have certified proof of such letters then everything is hear say.. ally financial also reviewed the contract and determined to either incorrectly or omitted the contract so they need to provide my wet signature of me agreeing any changes they made to the contract. enclosed there is proof the contract was changed after that i was unaware of. provide me proof of my wet signature of the new changes that was made to the contract. they can not change anything on the contract without my signature or me agreeing to such change. ally financial is also reporting 60 days late reporting on my consumer report as it is not supported on my consumer report. they have no proof. clearly ally financial in in violation of section 15 USC 1666b and 1637 ( b ). ally financial never sent me a bill about my account being late in adequate time with incorrect address and account number according to law also i will provide proof of my correct address and document showing ally financial wrong doings upon furnishing my consumer report incorrectly. remember they must follow the law not policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Firstly, the notice was sent to the wrong address. I believe I confirmed with the agents my actual address. Please listen to the call recordings to confirm. They listed " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I listed my address as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX. XXXX, I called Ally bank ( XXXX ) re : I had noticed that an 'application inquiry ' had been posted to my credit report ( via XXXX from XXXX ). This call was made at XXXXXXXX XXXX XXXX XXXX and lasted XXXX. XXXX was one of the companies that this occurred with, XXXX XXXX was the other ( not affiliated with XXXX ). I called XXXX promptly ( the XX/XX/XXXX call I mentioned ) to ask that this be marked as fraud. I specifically asked, more than once, that this application be withdrawn and cancelled, prevent the card from being sent, and that they inform the credit bureaus. I was assured that this would happen. The pre-message to this call said that it would be recorded. I called the same number again ( again, from my credit monitoring service ) on XX/XX/XXXX @ XXXXXXXX XXXX central. I had been notified that my credit balance had changed. Turns out that whoever got this card, charged nearly the maximum to " XXXX XXXX '' within the week of XX/XX/XXXX, in XXXX, Idaho. I moved out of XXXX on XX/XX/XXXX to move to XXXX, TX. From this call, they launched an investigation, but refused to provide the 'sign up email ' and 'application phone number ' from the original application as it was 'under investigation ' ( understandable ). I feel that I gave them a fair opportunity by calling to ask Ally to cancel the application when I realized that I had not submitted it, as I lived XXXX miles away when it was filed and I had not been to that house in some time. That house is where my ex-husband lives. We have been trying to be amenable, and he is totally willing to help with gathering information. His name is XXXX XXXX XXXX XXXX ) XXXX, he goes by XXXX. His number is XXXX and he has been alerted to a possible contact and wants to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy ( 15 USC 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish an account without written instructions. 15USC 1666 ( b ) a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: First, they make it known the calls are recorded. The week of XX/XX/2024, I called Ally bank to ask for payment assistance. I could not work full time when I was in XXXX XXXX so it set me back with some bills as I am the only one financially supporting my family. Ally stated they could help if I made a full car payment by the end of the week as well as an additional {$65.00} and some change by this past Tuesday. I did exactly that and tried to call them soon after for the extension. My calls were picked up and then I was hung up on. I was finally able to get someone today and they told me sorry they told you that but I didnt qualify for the extension. Why lie to me and then as I mentioned to them the calls are recorded. The agent even said he was notating the account for the payment arrangement and they are no honoring what was told to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have tried three times for a method to close the account as easily as I was able to open it and they required I drive over an hour to go to a place that will accept an exact deposit to XXXX the account when it could simply be done with a debit card. They used to have alternatives, I like them.. but this system is just plain wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33705
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My vehicle was totaled on XX/XX/XXXX. My insurance company paid the amount that they were liable for as well as my GAP insurance. After these transactions were completed towards the end of XX/XX/XXXX I was left with a balance. The dealership 's finance manager where I purchased my vehicle told me that I was owed money from the service contract that I purchased. The finance manager stated that by law the check had to go to the lien holder because there was a balance due on the auto loan. The dealership 's accounting department sent the checks via overnight mail three times to the finance company and each time the payments were rejected. I then asked the finance manager to add my loan account number to the memo of the checks so that the lien holder would know which account to apply the money to. After making many calls to the finance company I was able to speak to someone at the finance company 's asset recovery center that was able to release the checks for payment. Unfortunately, on the finance company 's website, I am still showing a balance due. The accounting department subsequently sent the checks two more times. On XX/XX/XXXX I discovered that the lien holder had already cashed the checks and never sent me the remaining balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: 1099a was sent to ally with no response more than 120 days ago. please see attached copy
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: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2023, I opened a " Spending Account '' with Ally Bank using the promo code XXXX. According to the terms of the promotion, the account owner would receive a {$200.00} bonus within 30 days after a direct deposit of {$1500.00} or more. I attempted to confirm that the promo code was attached to my account, but Ally Bank refused to provide confirmation. After fulfilling the terms, I received an email from Ally Bank on XX/XX/2023 stating the " Your Ally Banking Spending Account received a qualifying direct deposit total of {$1500.00} and you got the {$200.00} cash bonus! The XXXX are already in your Spending Account ending in XXXX. '' However, the {$200.00} bonus was not actually credited to my account. After chatting with support, I was told that the bonus would be deposited " within 30 days of the direct deposit on XXXX. '' As I did not receive the bonus by XX/XX/2023, I again reached out through chat on XX/XX/2023. I was told that " the bonus was already deposited last XX/XX/2023 and should be posted after 30 days. '' The agent submitted a case ( reference # XXXX ), and on asking I was told it would be resolved within 2 business days. On XX/XX/2023, as the case was still unresolved, I reached out through chat a third time. This agent told me that Ally would not be able to provide any timeline for resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A