Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After disputing this information since XX/XX/XXXX, Ally Financial continues to report inaccurate and constantly changing information. My account was reported as a charge off when it was paid in full. According to a letter received from Ally, It states that I called to set up a promise to pay on XX/XX/XXXX for the XXXX of every month, however, I did not make a payment on XX/XX/XXXX therefore breaking the agreement. But a payment was made on XX/XX/XXXX. Thats because I just set up the payment on XX/XX/XXXX and gave the person on the phone my card information but it was already after XXXX so the payment did not process until the next day! The response also states that the company reported the charge off in XX/XX/XXXX which is also inaccurate. It was not reported as a charge of until the final payment was made in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: Overpayment refund checks not accepted by financial institutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I am writing this letter in regard to a recent adverse action that was done against me, pertaining to a getting a loan for a vehicle on XX/XX/22. After carefully reading the letter, it seems you have discriminated against me based off my consumer report. Company procedures does not supersede Federal Laws. This is a direct violation of my rights of a consumer 15 USC 1602 ( f ) tells me that credit is my right. I can not be denied a right 15 USC 1602p makes it clear that you, ( ALLY BANK ), have committed fraud and used my credit card without authorization and I received no benefit. 15 USC 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against. Now I would hate to escalate this situation and I am sure that you are just doing your job ; but I would have to hold you personally accountable for this because as of now you are acting as unauthorized representative. I am willing to let all of this go if your company does the right thing and reverse this decision. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I returned a leased XXXX XXXX XXXX XXXX in late XX/XX/XXXX. The lease initially ran through XX/XX/XXXX, but I was able to extend the lease into XX/XX/XXXX. My lease, which I signed on XX/XX/XXXX, was for XXXX miles per year. The vehicle had XXXX miles on it at the time of leasing, so my maximum allowed miles on the lease is XXXX ( i.e., ( XXXXXXXX XXXX XXXX ) XXXX XXXXXXXX ). When I returned the leased vehicle, there were XXXX miles on the odometer. Both the lease holder ( Ally Financial ) and I agree on that. On XX/XX/XXXX, I received a bill from Ally Financial that included a charge of {$810.00} due to Excess XXXX of XXXX ( @ {$0.00} per mile ). When I called Ally to inquire about why they thought I had excess miles when I clearly returned the car with fewer than XXXX miles, the person I spoke to said in their system they showed a lease with maximum allowed miles of XXXX miles. I do not know where that " lease '' came from, but it appears to be based on a XXXX mile/year lease option. Howevr, I find it odd that that false lease also shows the vehicle had XXXX miles at time of leasing, so it is very strange that the total miles allowed on that lease is XXXX when, if it were a XXXX mile/year lease, the total miles allowed would presumably be XXXX ( i.e., ( XXXXXXXX XXXX XXXX ) XXXX XXXX. Given that the total of XXXX is a strange lease amount for a vehicle that started with XXXX miles, I can only assume Ally somehow created an inaccurate lease or perhaps transposed a number with another lease. Regardless, the lease I signed and have in hand has total allowed miles of XXXX. I brought this to Ally 's attention in XX/XX/XXXX over the phone, and was told they would check on it. I called again in early XX/XX/XXXX and no action had been taken. When I complained about this, they asked me to send a copy of my lease in an email. I did so on XX/XX/XXXX ( addressed to XXXX with attention to XXXX XXXX. I did not receive a response to that email. On XX/XX/XXXX, I sent a follow-up email noting I had not received a response and requesting an update. I got not response. Throughout this time, I was receiving bills from Ally for the Excess XXXX charge ( the bills also had other charges on them for other lease end costs, which I paid in the amount of {$530.00} on XX/XX/XXXX ). In XX/XX/XXXX, I called to ask why I was receiving bills for this when I had provided evidence Ally 's data was wrong. The person I spoke to did not know but took notes about my dispute and escalated it for management review. Throughout XXXX and XXXX, I had multiple conversations with Ally regarding the issue. Some of these calls were initiated by Ally reaching out to me to collect the amount they think I owe- in those calls I explained the matter, looked in their records, and saw it was under management review and told me it was still under review. I also called to check on the issue and was told it was under review. Today ( XX/XX/XXXX ), I called to check on the matter again and learned that a manager named XXXX XXXX had denied my dispute and my account had been referred to a collections company. I did not receive any communication regarding the outcome of the management review and never had any opportunity to speak to somebody and explain that their data on file is inaccurate. Throughout my time trying to work through this with Ally, I have spent hours upon hours on phone calls constantly getting transferred among departments. Nobody, through multiple calls over the last six months has been able to help with this other than to escalate it to management and to let me know it was " still under manager review. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 the company XXXX ran a Hard Inquiry without my consent. I'm now attempting to resolve that issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I applied to extend my credit to purchase a used XXXX XXXX XXXX XXXX # XXXX, with XXXX XXXX XXXX XXXX and Alley Finance. On this day I was not disclosed ant of the disclosers required by law, Right To Recission XXXX XXXX XXXX as well as XXXX XXXX XXXX, where it states in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction, I was never disclosed or made aware of any of this. It states that the creditor shall Clearly and conspicuously disclose, in accordance with regulations of the XXXX. XXXX XXXX XXXX XXXX and Ally Finance violated several federal violations & codes in the process of financing me this vehicle. I have tried teamwork this out with both companies and resolve this issue with both XXXX XXXX XXXX XXXX and Ally Finance but nothing has been worked out. Ally Finance continuously make attempts to collect a debt that I'm not responsible for. I have made aware several times of the federal violations they have and continue to violate and still we have not resolved this issue. Im continuously being threatened to have my car repossessed. I have brought to their attention of the multitude of federal violations they are violating such as ; 15 USC 1605a, Finance Charge, 15 USC 1605a ( 4 ) fee for an investigation or credit report, 15 USC 1605b ( 1 ) Life, accident, or health Insurance premiums included in finance charge, 15 USC 1605e Fees or premiums for title examination, 15 USC 1605e ( 6 ) Credit Reports, 15 USC 1605f ( 1 ) Tolerances for accuracy, 15 USC 1605 f ( 2 ), 15 USC 1605f ( 2 ) b, 15 USC 1635b, 15 USC 1692e, Misleading Representative. The list of violations go on with all the false and deceptiveness. XXXX XXXX XXXX XXXX and Ally Finance and I enter a Retail Installment Sale Contract. My information was shared with other agencies without my consent, which also violates Federal Code 15 USC 1681b Permissible purposes of consumer reports and 15 USC 6802, Obligations with respect to disclosures of personal information. I am now receiving emails and calls with voice messages threating to to repossess my car without resolution to the matter. The Fraudulent Retail Installment Sales Contract is governed by the Truth in Lending Act. This Contract is also evidence by the FTC holder notice 16 C.F.R.433.2 which states that this is a consumer credit contract, and that the respondent is a " holder in due course '' in accordance with the UCC-3-302 ( a ) ( 2 ) ( i ) and is subject to all claims which the debtor could assert against the seller in accordance with the FTC holder notice 16 C.F.R. 433.2 During this consumer transaction XXXX XXXX XXXX XXXX and Ally Finance committed many violations including miscalculations and mislabeling the H-1 Credit Sale model form. To go any further, 26 C.F.R. 15a. 453-1 ( e ) ( 1 ) ( i ) states, " a bond or other evidence of indebt issued by any person and payable on demand shall be treated as payment in the year received, not as installment obligations payable in future years '' The respondent knew that the contract itself was a payable instrument which paid for the vehicle and failed to disclose this to the consumer ( myself ). This is a violation of 15 USC 1638.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX my phone was stolen. The thief accessed many of my financial applications including my Ally account where I have my primary saving and checking accounts. Thousands of dollars were transferred to random accounts via XXXX. When I learned of it I immediately called Ally to report it. In that following week I filed a police report and identity fraud report. One day my Ally card declined and when I called about it I was told my relationship with them was terminated and the disputes were reversed out of my favor ; their reasoning was that the phone I reported stolen was continuing to access my account. This is entirely impossible as the phone was stolen mainly, but also remotely wiped via XXXX, passwords/usernames updated, etc. No one was able to inform me how this decision was made. I was told an investigation supervisor ( XXXX XXXX, last name spelling may be wrong ) would call me last XXXX XX/XX/XXXX. I have not heard anything to this day, XX/XX/XXXX, and have called multiple times on multiple days to no success both direct and to the general fraud department. I need this case to be looked into further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022 I received an offer from Ally Bank for a limited time cash bonus of {$250.00} for opening an account and having a qualifying direct deposit. I followed all terms and conditions of the offer and have not received said bonus within the promised time frame. Numerous chats with customer service state the company was overwhelmed with the response to the offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16510
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: So my Ollo credit card was stolen and used to make fraudulent charged in XX/XX/XXXX, I called and reported the fraud and had the card stopped but there had been fraudulent transactions made on my account. I spoke with the Agent around XX/XX/XXXX or so. He advised me that he would report the charges from XX/XX/XXXX and forward as fraudulent charges. I get a letter advising me that the fraudulent charges had been credit but I only received credit for one charge for XXXX, so I called in around XXXX XXXX and speak with someone in the security department who advised that she didn't know why the other charges had been missed but she had reviewed with her manager and they were sending the charges and having the claim reopened and escalated. So I called a week later and get told it was reopened and being reviewed, to allow some more time and that charges were normally credited within two weeks. I have called multiple times and am still being told the charges are being reviewed. It has been over a month since my fraud claim was reopened and supposedly escalated and still no resolution after a month of being escalated. They still haven't adjusted all the fraud charges and to date have only done the one credit of XXXX. Every time I call I'm told allow more time, allow more times. Its been two months since it was reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial 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 Ally Financial XXXXXXXX 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: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A