Date Received: 2022-10-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 unwanted hard inquiries. I only had XXXX and XXXX XXXX no others I dont recommend these companies ever to invest or their support to be on my Team or contact at any time in the future # XXXX. Ally Bank # XXXXXXXX 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 Many other to list
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I called customer service on XX/XX/XXXX to confirm that I am done everything to be eligible for the {$500.00} bonus promotion that the bank is running. The person I spoke to said that the $ XXXX XXXX transfer on the XXXX of XXXX was from another ally account and did not count. That money came from XXXX XXXX, so that person did not know what they were talking about. I want to know if I have done everything required other than keeping the money in Ally until XX/XX/XXXX to be eligible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had called by Finance company to ask for an extension on my vehicle payment they had stated that they had summited my request then I get an email from XXXX XXXX that my score when down based on a report form my finance company Ally I then called Ally and asked what happen they said it was a mistake in there end but unfortuanlly the report already had gone out and there was nothing that they can do but grant me another extension I need this late payment to be removed from my credit report since it was not be fault I only have 3 payments left on my vehicle I was not expecting this to happen when i only have 3 payments left I had requested this because I had a family member passing away and was not sure if I would have been able to cover funeral services and my vehicle payment and now am stuck with a bad note on my credit report I would like to start in investigation please or something but I would like this removed 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: 91402
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Adverse action discrimination is against the law Consumer/natural person XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ALLY BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : APP NR XXXX RE : APP NR XXXX RE : APP NR XXXX how are doing TO WHOSOEVER IT MAY CONCERN YOU BROKE THE LAW I am writing this communication in regard to an adverse actions after filing out a consumer credit transaction applications with XXXX of XXXX I was discriminated against in this transaction my rights have been violated by making an unlawful decision congress has made it clear and concise that that i the natural person can not be discriminated for exercise my right to extended credit matter what the situation is pursuant to federal laws for example 15 usc 1602 ( f ) the term credit means the right grand by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. My consumer credit card account was used and I did not receive ANY benefits from this transaction Pursuant to 15 usc 1602 ( p ) unauthorized use of my credit. the term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Pursuant to 15 usc 1691a I the consumer the natural person the applicant has in good faith excursed my right under this chapter. To extend credit. Pursuant to 12 cfr 1002 Equal credit opportunity act ( Regulation B ) so an and so forth I got the proof that I was discriminated against by ALLY Bank and for that your now criminally liable for violating these laws With these discriminable action ALLY BANK is now involved in racketeering, fraud and swindling. and so, on I am willing to let this go if ALLY BANK do the right thing and reverse this decision and combine all offers made in one sum for a new property If not, I will pursuit forth lawful action. ALLY BANK has 20 days to remedy this action or I will proceed with forth LAWFUL action. NOTICE IS COMPLETE UPON RECEIPT I TRIED TO CALL GOT VOICE MAIL TWICE THANK YOU YOURS TRULY XXXX XXXX Looking forward for your speedy correspondence
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This was a predatory loan from the start I paid for years high interest on this loan car was stolen insurance company paid just at XXXX XXXXXXXX for this auto not to mention I paid monthly payments for 2 years or more I explained to them that covaid pandemic hit job closed I was home to home and couldnt make payment they for far more than market value for this auto loan but yet made harrasings calls for months.showing their greed they could have easily forgiven the balance owed at the time XXXX XXXX or so difference once insurance company paid them lump sum.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial is reporting the following information on my credit report : 1. Payment history : number of times I alleged been late on my account, 2. Pay Status : alleged past due status, 3. Terms : The information listed above is better known as transaction is being reported on my consumer report. ALLY FINANCIAL IS ILLEGALLY REPORTING THESE TRANSACTIONS ( Payment history, pay status, Terms ) on my consumer reports! Ally Financial is in clear violation of the law. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Subsection ( d ) CONSUMER REPORT Subsection ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does NOT include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences the consumer and the person making the report ; THE LAW AND THE FTC ADVISORY OPINION CLEARLY STATES XXXX Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) making the report is NOT included on my consumer report! Payment History, Pay Status and terms are transactions of open end credit and closed end credit extended between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! ALLY FINANCIAL HAVE VIOLATED THE FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting this transaction or experience ( Payment History, Pay Status, Terms ) on my consumer reports which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently got a copy of my credit report & I saw a number of injuries I didn't recognize. I called the bureau & contacted the police department & I was told I may have been a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT ALLY FINANCIAL {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Online banking transactions are showing up under wrong merchants and when I tried to open a case for this issue with a representative over the phone, they ended up canceling my card without telling me. In addition to the merchants being incorrect, there are also constant withdrawals//charges that I didn't process and then immediately the exact amount returned. Sometimes from the same merchant as the deduction, sometimes different. Call representative confirmed that the merchants on their end are correct but that it's showing up incorrect on my end. There are even multiple interest deductions and added back. Things that were showing up correctly suddenly showing up at a later date incorrectly. There has been 2 times where charges I was certain were completed completely disappeared. This makes the online banking service inaccurate, misleading, ineffective, unreliable, and unsecure. Calls are either being intercepted or representatives are regularly providing misleading information and talking incoherently in circles using relevant key terms in completely illogical and unhelpful ways. One had me repeat the spelling of my address numerous times ( including the spelling repeatedly ) and one of the reasons is that the spelling of XXXX translated to XXXX to him. Just word salads and repeated inconveniences.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
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: This has happened twice.. On XX/XX/XXXX I noticed my account was {$710.00} with a hotel stay pending about to drop off for XXXX. Once the hotel change dropped off on the XXXX I paid {$600.00} which I always pay off at the end of month. On the XXXX I noticed I had a balance of {$320.00} in which I had not used the card since the XXXX and all charges were thru, the last one being XXXX XXXX XXXX My account should beat XXXX today as of the XXXX, NOT XXXX plus the pending XXXX charge has not posted to that balance. XXXX Credit card company is scamming me out of money. I requested an audit of my account through their accounting department and they refuse. Please provide an investigation on this. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A