Date Received: 2022-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX has failed to remove this unfamiliar account from my report. I contacted XXXX and Ally Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from XXXX. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, XXXX has yet to comply. Please delete Ally Finanical from my XXXX report Account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This is my 3rd attempt at trying to fix this with your company. I need to stress the urgency of this by repeating myself to ensure my problems are taken seriously! original complaint '' FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXXXXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, the dealership XXXX XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ U.S. v. Throckmorton, 98 US 61 pg. 65 ] 42. ) A consumer contract is not sufficient evidence of a debt [ Pacific concrete F.C.U. v. Kaunanoe 62 HAW 334, 614, p.2d 936 ( XXXX XXXX ] 15 USC 1681o - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide god faith, that there would be an even exchange of goods. '' [ FOLLOW UP REBUTTAL ] You claim not to be a debt collector yet federal specifically states the actions you are taking are indeed, by definition, a violation of The United States Code 1692a ( 6 ). I have taken the liberty of providing an excerpt of the cited federal law. ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. In this excerpt it is vivid what the exceptions are for which to be excluded from being labeled a debt collector. Sadly ALLY FINANCIAL does not fall under pretenses of the exclusion list ; henceforth labeling this corporation and its practices as a debt collector. You also made mention of the court case Henson v. XXXX XXXX XXXX XXXX, 137 S. Ct. 1718 ( XXXX ) This case fails to address two major points that still point the finger at your corporation falling under the Fair Debt Collection Practices Act ( FDCPA ). Your corporation is still a 3rd party. Which means your financial institutions continues to fall under the umbrella term of debt collector On another note you made mention of repossession of the my property pursuant to On another note you made mention of a retail installment contract which i have so graciously provided as evidence of your fraud. 15 USC 1692j states the furnishing of deceptive forms and this fraudulently crafted consumer credit contract was made to appear like a retail installment agreement. When taking into account contract law and what is really going to be litigated the text within the boxes appears blank, So realistically speaking on every page where there is a big box and just a signature outside of the box the judge will only see my signature and a blank page. This idea is also reaffirmed in the United States Manual styles book where in court anything that is out within ( ), parenthesises, brackets [ ], or is within a box is actually not on the page. So in reality the retail installment agreement is really a contract that was crafted for me to give Ally financial a security interest in the actual tangible property. Henceforth, Ally financial has committed contract fraud and is since the inception of this extension of credit, in breach of contract because there in reality was never a full disclosure of terms from ally financial to the consumer. Lastly confirming once more that Ally Financial was and still is a 3rd party debt collector to a transaction they did not originate, but were assigned without recourse from XXXX XXXX XXXX. Pursuant to 12 USC 8, the job of a bank is not to lend money. So Ally financial also has a fraudulent security interest in the title to the actual property. 15 USC 1692e - false or misleading representations ( 2 ) the false representation of - A. The character, amount, or legal status of any debt ( 4 ) the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) the false representation or implication that a sale, referral, or other transfer of any interest In a debt shall cause the consumer to - A. Lose a claim or defense to payment of the debt of B. Become subject to any practice prohibited by this sub chapter. Now in the rebuttal ALLY FINANCIAL sent me, when this debt was being disputed they said they were trying to repossess the automobile and that pursuant to the fraudulent security interest I signed thinking I was doing a bona fide extension of consumer credit turned out to be fraud. I have been the victim of fraud fact ;, I have been abused by a debt collector engaging in unfair practices, fact ; Pursuant to 15 USC 1692a ( 2 ) the term communication means any conveying of information regarding a debt directly or indirectly to any person through any medium. Any meaning no restriction, and medium includes any oral, written, electronic, or other medium. Therefore, sending statements, letters congratulating the consumer of their new vehicle purchase, responding back to these complaints pushing the agenda that these alleged debts are indeed owed. Reporting this information on my consumer credit report pertaining to the details of the transactions or payments is a violation of the Fair Debt Collection Practices Act ( FDPCA ). Pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to phone calls, emails, social media, or any Consumer Reporting Agency. Any future correspondences from your corporation, with the exception of communication of you confirming your acknowledgement of this letter, is in violation of the fair Debt Collection Practices Act. If you do not cease communication a affidavit will be drafted containing attached documents and correspondences and a lawsuit will be commenced upon you. CFPB complaint number : XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have an auto loan with Ally Financial. I sent them a letter regarding discharge of debt. In response, Ally sent me a letter stating they don't know what I'm trying to accomplish but they are now restricting my account for 6 months where I can only make payments to them with certified funds. I have always and on time made my payments via their app. The funds are withdrawn from my bank account and deposited to the loan balance. They are forcing me to pay an additional fee to XXXX, XXXX XXXX, etc to make payments for 6 months. I perceive this as some sort of retaliation to my request. I don't see how they have the right to cause me additional financial burden in order to make a payment that I've never been late on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have received multiple calls from the creditor every day for the past 2 months, voicemails and text messages. I tried to have a late fee pushed back and they refused, causing me to fall even further behind on payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage payment I have a car loan my car is not have it because XXXX he will get back with my car oh XXXX XXXX I lost XXXXXXXX XXXX pay for them and mortgage payment also because its nobody help XXXX exiting the car my car is no pay for them and XXXX XXXX I have a doctors note also
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: original complaint '' FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " ally Financial '' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, XXXX XXXX XXXXXXXX XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ XXXX XXXX XXXX, XXXX XXXX XXXX pg. XXXX ] XXXX. ) A consumer contract is not sufficient evidence of a debt [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) ] XXXX XXXX XXXX - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide XXXX faith, that there would be an even exchange of goods. '' [ FOLLOW UP REBUTTAL ] You claim not to be a debt collector yet federal specifically states the actions you are taking are indeed, by definition, a violation of The United States Code 1692a ( 6 ). I have taken the liberty of providing an excerpt of the cited federal law. ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. In this excerpt it is vivid what the exceptions are for which to be excluded from being labeled a debt collector. Sadly ALLY FINANCIAL does not fall under pretenses of the exclusion list ; henceforth labeling this corporation and its practices as a debt collector. You also made mention of the court case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) This case fails to address two major points that still point the finger at your corporation falling under the Fair Debt Collection Practices Act ( FDCPA ). Your corporation is still a 3rd party. Which means your financial institutions continues to fall under the umbrella term of debt collector On another note you made mention of repossession of the my property pursuant to On another note you made mention of a retail installment contract which i have so graciously provided as evidence of your fraud. 15 USC 1692j states the furnishing of deceptive forms and this fraudulently crafted consumer credit contract was made to appear like a retail installment agreement. When taking into account contract law and what is really going to be litigated the text within the boxes appears blank, So realistically speaking on every page where there is a big box and just a signature outside of the box the judge will only see my signature and a blank page. This idea is also reaffirmed in the United States Manual styles book where in court anything that is out within ( ), parenthesises, brackets [ ], or is within a box is actually not on the page. So in reality the retail installment agreement is really a contract that was crafted for me to give Ally financial a security interest in the actual tangible property. Henceforth, Ally financial has committed contract fraud and is since the inception of this extension of credit, in breach of contract because there in reality was never a full disclosure of terms from ally financial to the consumer. Lastly confirming once more that Ally Financial was and still is a 3rd party debt collector to a transaction they did not originate, but were assigned without recourse from XXXX XXXX XXXX. Pursuant to 12 USC 8, the job of a bank is not to lend money. So Ally financial also has a fraudulent security interest in the title to the actual property. 15 USC 1692e - false or misleading representations ( 2 ) the false representation of - A. The character, amount, or legal status of any debt ( 4 ) the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) the false representation or implication that a sale, referral, or other transfer of any interest In a debt shall cause the consumer to - A. Lose a claim or defense to payment of the debt of B. Become subject to any practice prohibited by this sub chapter. Now in the rebuttal ALLY FINANCIAL sent me, when this debt was being disputed they said they were trying to repossess the automobile and that pursuant to the fraudulent security interest I signed thinking I was doing a bona fide extension of consumer credit turned out to be fraud. I have been the victim of fraud fact ;, I have been abused by a debt collector engaging in unfair practices, fact ; Pursuant to 15 USC 1692a ( 2 ) the term communication means any conveying of information regarding a debt directly or indirectly to any person through any medium. Any meaning no restriction, and medium includes any oral, written, electronic, or other medium. Therefore, sending statements, letters congratulating the consumer of their new vehicle purchase, responding back to these complaints pushing the agenda that these alleged debts are indeed owed. Reporting this information on my consumer credit report pertaining to the details of the transactions or payments is a violation of the Fair Debt Collection Practices Act ( FDPCA ). Pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to phone calls, emails, social media, or any Consumer Reporting Agency. Any future correspondences from your corporation, with the exception of communication of you confirming your acknowledgement of this letter, is in violation of the fair Debt Collection Practices Act. If you do not cease communication a affidavit will be drafted containing attached documents and correspondences and a lawsuit will be commenced upon you. CFPB complaint number : XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I took out an auto loan with ally financial through the dealership I bought my car from back in XXXX. Then in XXXX I refinanced my loan through XXXX XXXX XXXX XXXX. Earlier this year I got a letter from XXXX XXXX stating they needed the lean recorded title sent to them which would have their name on it as the lean holder. I was on the phone with both institutions back in I'd like to say XXXX of XXXX and XXXX XXXX requested the lean release letter to be sent out. I was also to receive a copy and was told to take that, the title and my XXXX XXXX promissory note to the XXXX to get the lean re-recorded. About a week or XXXX ago I went to the XXXX and they told me I needed a notarized letter from Ally stating they handed the lean to XXXX XXXX. I called Ally that day and asked them to fax it over to the XXXX and was told it would get there within XXXX to XXXX business days. The XXXX also stated when they received it they would contact me. Now here we are today on XX/XX/XXXX and nothing has showed up. I once again called Ally and asked what was going on, they stated they could not send the notarized letter to my XXXX directly that it had to go to XXXX XXXX and that they would have to once again request it. Mind you this would be the third time XXXX XXXX would be requesting it. I had both institutions on the phone today and Ally claimed they sent the notarized letter to XXXX XXXX twice and XXXX XXXX claims they never got it. Now Ally has stated it will be in the mail to XXXX XXXX today and will take up to XXXX business days to get to them and then XXXX XXXX has to send it to me so I can re-record the lean. Meanwhile I now have to pay a significant increase of interest to my car payment causing my payment to go from XXXX to XXXX which doesn't seem like a lot but I am living off XXXX income due to the fact my husband is XXXX and can't work and we can not afford this increase. I find this whole situation unnecessary and have been given the run around. I contacted my lawyer who advised to put in the complaint to the CFPB to have this matter investigated and to be sure things are getting done as they are supposed to, so that I may finally get my part of all this taken care of and so my interest rate does not go up. I am afraid none of this will be done by XXXX XXXX 's due date of XX/XX/XXXX and I will be forced to pay the higher amount I can not afford.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48346
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a previous complaint with Ally because we sent a cashiers check to payoff our loan. They received it on XX/XX/22. They claim they mailed the check back to the bank, but without a tracking number and now its lost. Who mails a check for almost {$15000.00} without any kind of tracking number? We have been in CONSTANT contact with customer service and the collections department for the last XXXX months trying to get this resolved. We were able to get the check reissued and they received it on XX/XX/22. We kept them updated and let them know that it was on the way. Even though we have done nothing but try to work with them on this, they have been completely unhelpful and uncooperative. Today they reported us to the credit bureau and our credit took a very large hit..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have attached my driver license and social security card In accordance to the FCRA act, Ally has violated my rights for 6 months with all 3 credit bureaus. 15 USA 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a_ Definitions, rules of construction Exclusio ns-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose. Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Somebody used my ollocard on XX/XX/XXXX {$52.00}, XX/XX/XXXX {$96.00}, XXXX {$130.00} from XXXX these were fraud So I called 4 times to ollo card security Dept. But ollo cleared only {$52.00} and they did not cleared 2nd, 3rd and reported to 3 credit co And ollo sending me the statment with late fee charging fee -- -- So I called many times but. They did not do there job clearly
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: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A