Date Received: 2022-11-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased this vehicle with about XXXX miles on the odometer and it has had multiple problems and repairs. I had tried to invoke the manufacturers warranty but was told the vehicle did not qualify. I looked up the data regarding the factory warranty and it didn't match what i was being told by multiple XXXX dealerships. The vehicle is in such bad shape at this point it would require thousands of dollars in repairs to make it road worthy. It was deemed not safe by the dealer that it is at right now. I still have to make payments on this vehicle despite all this. The company that sold me the car has threatened to ruin my credit if they are forced to take it back. I am unsure of what to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Check fraud was reported to Ally Banks loss prevention team on XX/XX/22, when it was discovered that a check I had written to a local business was stolen and cashed without endorsement. Since then, Ally has failed to give me regular updates on the investigation, and I was informed today that the investigator has not yet reached out to XXXX XXXX XXXX, where the check was fraudulently cashed on XX/XX/22. I have made multiple calls to Ally over the past two weeks, and have not been given satisfactory answers in regards to the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH ANY OF THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On or about XX/XX/2022. 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 '' seller from XXXX XXXX XXXX XXXXXXXX XXXX XXXX among 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 XXXXXXXX XXXX XXXX said that they will credit the money to my account. I told them no, because the monthly 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 XXXXXXXX XXXX XXXX stating their resolution. I emailed over 10 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 120 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 3 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 XXXX
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: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: I have scheduled an appointment with XXXX XXXX in XXXX XXXX XXXX XXXX to get my XXXX XXXX looked at because of possible transmission issues. I called on XX/XX/2022 to get a status update on my vehicle and there was no answer. I called again and there was no answer. I even left voice messages. On XX/XX/2022 I went online and was able to chat with the other XXXX XXXX company to ask if they were open. XXXX, reached out to the XXXX XXXX location to have someone call me back. Someone called back and said that my vehicle was done and that they would test drive it again and call me for final payment and to pick it up. I received my XXXX back on XX/XX/2022. I notice that there was some noise coming from the front and the back of the vehicle and then I called them on XX/XX/2022 to let them know. They ask me to bring the vehicle back on XX/XX/2022. I told them that it sounds like something was loose still and took it back on XX/XX/2022 XXXX XXXX XXXX and got it back the same evening and I was told that they tighten everything up and that the manager said that he would drive the vehicle to XXXX to assure me that it was fixed. Then on XX/XX/2022 while in XXXXXXXX XXXX, I smelled antifreeze, and then it poured out literally so I had to get my insurance company to tow the vehicle to my house and then make an appointment to XXXX XXXX for XX/XX/2022. I then had to get another tow to the XXXX dealership. XXXX also called XXXX to let them know about the leak on XXXX XXXX I had to get my coolant lines repaired that connect to the transmission and asked that they tighten everything up, and asked if they could tell me if the transmission was replaced. They said that they really couldn't tell me that unless they took the shell part off but that there is definitely an issue with the transmission and that they had some questions about what was supposed to be done. He told me that I would more than likely be needing a new one. Upon me picking up my vehicle from XXXX, I stopped past XXXX unannounced and asked for my invoice and for him to show me a copy of the receipt where he was supposed to have purchased a refurbished one he couldn't produce the receipt because he didn't have it, and I asked him to take a picture of my old one and send it to me, and he didn't do that either. I have a recorded conversation about this and I used a voice-activated record for proof. So basically I paid for a service that I was not satisfied with because they ripped me off. I presented the documents to both of the credit card companies and one gave me my money back and XXXX denied it for some reason. I am looking for a full XXXX refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Ally Financial to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Ally Financial has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Ally FInancial did not inform me on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Ally Financial and the consumer reporting agencies ' conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. My consumer report does not include a report containing information solely as to transactions or experiences which means late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). 15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Ally Financial has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account. According to 15 USC 1602 ( p ) Ally Financial does not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. Without lawful authority, by using means of my identification Ally Financial and the consumer reporting agencies are committing aggravated identity theft and attempting to collect on this account by extortionate means pursuant to 18 USC 894. Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy.
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have paid off the vehicle loan but the lender says I still owe {$85.00} dollars. They did not notify me of this balance due. They shut down my online access to the account so I can't see the status of my loan. They have not responded to written requests for explanation or verification of the balance due. They are now adding fees to the balance due and reporting the loan to the credit bureaus as delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A