Date Received: 2022-11-19
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: See previous complaint Ally failed to lower the XXXX percent interest. Ally charges excessive late fees. I worked as an essential worker during the pandemic. I am filing an employment retaliation lawsuit in less than a week. I also have mediation in my housing lawsuit against XXXX Bank with my home of XXXX years. I am represented by XXXX XXXX and XXXX XXXX for my housing case. Ally is threatening to repossess the vehicle. I have became discolored from the stress, harassment, and retaliation from working and testifying. Ally auto agent pressured me to make a promise when I told them I can pay at the end of the month. Ally calls a XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ALLY FINANCIAL ACCT XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX TAX FOR XXXX ) Breach of trust {$500000.00} liability XXXX XXXX. subsection c laundering of money under XXXX XXXX, civil rights act XXXX, and trespassing. according to ( XXXX XXXX XXXX ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. Tax owed by taxpayer {$38000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, XXXX, XXXX, XXXX Original issue discount Forms XXXX violation of XXXX, XXXX civil rights Acts. stealing XXXX funding 40 % of taxpayer money and putting it in a private XXXXXXXX XXXX and XXXX. The tax forms XXXX, XXXX, XXXX, and XXXX, were filed with the IRS on XX/XX/XXXX. Also, I have them mailed out a check for full payment of {$38000.00} to ally that was delivered to the on XXXX XXXX at XXXX pm After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] - right to rescind the contract On XX/XX/XXXX Ally financial without notice unlawfully stole my automobile from the parking lot at XXXX XXXX XXXX XXXX, XXXX Florida XXXX [ XXXX ].
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX I applied with several banks that the dealership was to search for a good interest rate to proceed with the purchase of the vehicle I was going to buy. I finally settle on XXXX XXXX XXXX The purchase was completed. A few days later I received a letter from Ally XXXX advising me that they denied offering a loan to me because of my credit score of XXXX ; research by XXXX XXXX. On the same letter included XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX. The denial of loan by Ally was contrived by them. It should be noted I've had a RV vehicle loan for the last XXXX with Ally. ( never a late payment ) I was using the RV as a trade in for the XXXX truck I was purchasing. I've filed a dispute with XXXX XXXX as well. The info listed with them is not different from XXXX and XXXX XXXX. I personally think Ally XXXX XXXX XXXX collaborate on with whom to grant loans to. The EVIDENCE IS THE DENIAL LETTER SENT TO ME BY Ally FINACIAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly update or delete all information that is inaccurate, incomplete, or which can not be verified. Youre reporting inaccurate and inconsistent late payments. Details are listed below : XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally financial Has violated my Consumer Rights charged me extra on the same week has stated late fees falsely has discriminated my language barrier i plead further investigation to this bank institution they are violating consumers rights with no Control
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally 's so-called " fraud protections '' frequently prevent customers from using their ATM/Debit cards as intended, and they refuse to fix the issue even after multiple attempts and notifications. 1. Our dry cleaner, a large company in the XXXX XXXX XXXX XXXX, is not fraud. Ally has allowed us to use our debit card to pay them in the past, but for some reason has decided they are fraud and now declines all charges. This caused an issue in that we can't get our clothes back because we can't pay for them. We notified Ally of the problem multiple times beginning XX/XX/01 and they continue to say it's being " investigated '' and that their " fraud filters '' will not allow us to use this service. Again, this is an established, well-known company. It is not fraud. Ally refuses to fix the issue. I have never disputed a dry cleaning charge with Ally. 2. Ally also refuses to let us use XXXX services with our Ally debit cards. I probably don't need to tell you that XXXX is also not fraud. Ordering XXXX XXXX or getting a ride with XXXX should be an easy process, but Ally declines ALL of their attempted transactions. Ally continues to " investigate '' this issue and recently called to tell me they are attempting to update their " fraud filters, '' but there is no solution as of yet. Again, THIS IS XXXX. This has been an issue since XXXX, when I became stranded at the airport in XXXX. I couldn't get an XXXX because ALLY REFUSED TO LET ME ORDER ONE WITH MY DEBIT CARD. I have never disputed an XXXX charge with Ally, yet they continue to insist they can't let me use my debit card for XXXX and refuse to solve the problem. FOR MONTHS. The only solution they have given is, " please continue to attempt the transactions over and over. '' This is not a solution. If I give a bank my money and I adhere to the rules of deposits, balances, and debit card use, I should not be told by the bank where I may and may not spend my money. Neither of these merchants are shady, unknown, or even brand new. Yet Ally acts like I'm being unreasonable by insisting that I should be able to use my debit card as I see fit. They are denying me access to the money I have deposited in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello all, My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX to Ally Bank on XX/XX/XXXX of this year. My mortgage is automatically paid via XXXX a 3rd party service that mails checks on behalf. My mortgage payment is scheduled to be paid several days before the XXXX of the month, as such XXXX received and deposited my XXXX payment on XX/XX/XXXX - see attached voided check for {$4300.00}. XXXX last issued a statement at the beginning of XXXX, no XXXX statement nor do any of the transfer documents mention this XXXX payment. Additionally the loan balance on the XXXX statement is the same as the first statement I got from Ally dated XX/XX/XXXX. This first statement from Ally shows no record of the XXXX payment. I talked to Ally a number of times through the month of XXXX as my mortgage was now past due. Regular payments were made for XXXX and XXXX, but due to the missing XXXX payment they were credited to the previous month. Eventually the 90 day transfer window expired and I had to make an additional emergency payment on XX/XX/XXXX to prevent late fees. On XX/XX/XXXX I spoke with XXXX and they opened a formal investigation. When speaking with Ally they don't care as the account is now current. Months have passed and I really hoped the money would show up in some form but it is obvious that is not the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I need this credit reoorting on my profile removed? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have not been able to open a real bank account to access money XXXX XXXX to be able to pay for food, a place to live, clothing, among other much needed things. The banks have been scamming me. Getting my accurate info from me yet reporting my information inaccurately causing me to loose all my deposits to closed accounts after they open accounts that I learned were not sufficient in fact overcharged me to the point they have taken all my cash on hand for years. To the point I can not open a bank account. Although I was told nothing was wrong and that I can open yet when I go in person because it says I cant open online as I should be able to I be blocked with a message I need to contact the branch who then would tell me to come in so they could verify my identity. When I would waste my time and overcome the challenge to get there to see a branch manager, they would tell me the accounts they have and the one that they can open for me, they charge me {$25.00} and other fees just for something that comes with the account they said the fees was for a debit card and account opening yet the accounts never worked. Causing me to use all my cash on hand at times to cover the cost in payment when I am not a printing press or they did not give me the money deposit in cheque or debit card, while I would always have to use the money cash at the time I had on hand for other purposes to use. However I got scammed by the managers of some of these banks opening up checking accounts on my behalf yet really for themselves I am convinced because they have been mixing my social security number with their individual business name is what I have discovered, its businesses who have done this according to a consumer reporting agency who notified me my personal identifying information was being reported with another individuals name and they told me it wasnt a person yet it was a business. They didnt name exactly which business yet they said they would no longer report that inaccurate mixed information in those files with the consumer file they had verified me and realized that the information that I guess was sold to them or reported to them which is considered a sale I have learned in the business world, they reported misinformation intentionally to cause me to be overcharged, account to seem insufficient, to loose all my deposits on those accounts after they have been closed my guess now that I know for a fact first hand, to act like they are collecting a debt that I do not owe, in fact they owe me, could be the very reason they change my identity all the time even after verifying my accurate information, and report negative misinformation intentionally all though I am a true victim of fraud and identity theft from individuals employees in those positions who lie to me about the account features and them working for me to be able to make payments to buy food etc, just so that they can get my information and open up checking accounts so they can pay themselves by scamming me. I am not able to open up not one bank account online by myself or with the help of the banking agent where I am instructed to call through the online open account section of the banks website page, although they get all my information upon attempting to open a bank account to be able to access money payments system to be able to access cash to pay in full as the checking account seems to. Yet for me I havent seen it work since I was told I needed to get a checking account to be able to access the Payment systems to be able to cover the cost no matter high or low. I have not been able to do that. I have been to more than one bank to try to get a account to be able to pay for food, a place to live l, to be able to provide for my children as I should be able to do at all times for our day to day needs and wants. In the past I have been being scammed by these insufficient banks and overcharged as well as money stolen, as well as lost all my deposits after the bank closures after I have made many deposits to just to learn not only from the feeling of the experience of going without much for years, but from another bank where I tried to open a checking account who actually told me I was a victim of fraud and identity theft instead of scamming me totally. They notified me and I called the places they said to call is how I learned of the false reports being fraudulently reported. Which is so unfair to the point that I can not open a checking account. I get through the set up but then once it gets to the completion, I get a response that the checking account can not be opened and I would get a letter. Even up to this day. I have lost millions over the past XXXX years added up because I am now in my XXXX and have yet to get a sufficient real checking account that I can really access cash to cover payments for everyday needs and wants. Even up to this day I have not been able to open up a checking account and all the checking accounts I have ever had opened up on my behalf after going in a business branch, I ended up being scammed by the bank managers and employees opening up checking accounts on my behalf. Even then when they were opening the accounts I felt something was wrong because the accounts never worked as it said it should for personal family and household needs. Non commercial I am not a small business I am not a big business I am not employed by anybody. I do not owe any debts I am not a borrower none of that. Yet thats how the bank individuals would treat me and the checking account like they was collecting from me money I didnt even have for those purposes to overpay and be overcharged is what they were doing to the point I have lost so much and can not even open a bank account because of it to even pay for food to feed myself and children. Although things that are happening now and I.n the past to me can change, as I am typing this report complaint, I have a half of bag of rice left that my children I have make left to eat for now because of not being able to open a real checking account so that I may access XXXX XXXX money payment system as I shall be able to. I dont know what else to do. We are tired of this mess that no one is correcting and stopping from happening although I have verified my information accurately and noticed who say they are law enforcement, nobody has done anything to help me stop this from happening to me so that I may help myself and my children. I am not able to open a checking account because they are reporting false information as accurate and continue to report this information as accurate even after they are aware that its wrong also mixing their negative files with a consumer file that I didnt even apply for and know that I had until I learned about the identity theft and fraud being done by what I know and can say for a fact is the banks manager employees for what got to be for their own benefit to scam me as they have been for years even up to now when I can not get a checking account because of it. I verified with the United States treasury department who said this should not be happening. I was able to learn through that department after I told the supervisor in the office I was giving the number to by a state office employee, what was happening to me for years but didnt know until XXXX for a fact had been being done, The supervisor verified my social security number and said none of my transactions should never decline and I was not on the do not pay list and this should not be happening told me to call law enforcement as I did but nothing has changed other than now we have no food. No real resolve or compensation for this happening to me yet. I was giving this agencies information again recently by the state of XXXXXXXX XXXX XXXX department who are very aware I have not been able to open a checking account, access and of the money due to me, among many of the terrible things I have been experiencing over the years in both the state of XXXX XXXX and the state of XXXX XXXX when it come to opening up checking accounts at the banks that are said I can go to access my cash and provide for myself and my children with. I havent as of yet had a real sufficient checking account yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A