Date Received: 2022-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The credit bureaus failed to respond to my request to validate the negative information that they are illegally reporting to my credit report. I disputed the accounts and asked for them to be removed as they are in direct violation of 15 USC 1681s2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information. these violations are a directly affecting my ability to gain housing and employment. I am demanding that the following accounts. The following dates showing XX/XX/2017 by XXXX XXXX during this period I was incarcerated and disputed this as identity theft. Ally Financial is howling incorrect information. And the State of Michigan Child Support has never proven the DNA of the children and should not be reporting to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made a payment to Ally Financial on XX/XX/2022 via tendering a postal money order XXXX XXXX TENDER OF PAYMENT. and my postal money order was dishonored and returned to me and they not state the reason why it was not honored and accepted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-10-28
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: In According with the fair Credit Reporting act XXXX Account has violated my rights. U.S.C section 602 A. States I have the right to privacy. U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have account ( s ) with Ally Bank. It is an on-line bank and I do not know the routing number. The correct email address for this bank is ally.com. My accounts with Ally include a CD, a savings account and my monthly retirement check is sent directly to them ( Ally ). For reasons unknown to me they have " closed '' or " frozen '' my accounts and I can not access them. I have emailed them and was told that only phone contact is acceptable. They will not communicate with me in any form ( email, chat, USPS ) except via telephone. The problem is that to contact them by phone requires at least two-hours on call-waiting with the wait time close to XXXX to XXXX hours depending on what time of day you call. For me, it is impossible to be on telephone hold for that long of time. They only have one phone number XXXX which for the average person is impossible to use. I am hurting here without access to my funds. As a side note, even if you call them at XXXX XXXX the wait time is still OVER two hours and many times longer than that. Please help. How can your complaint be satisfactorily addressed? Can this bank be required to answer their phones in a timely manner? How can I get my account " unfrozen ''?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I called Ally and they told me I was in good standing with them. So I am not sure why this is affecting my credit score. As you can see on my credit report I having been making all my payments on time. I am in process of wanting to use my credit and with this on my report it will affect me being able to get a good rate. Ally told me it should not be on there. In accordance with the fair credit reporting act Ally Inc has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I entered into this contract agreement with ALLY BANK without 1 ). Full disclosure of my right to rescind. 2 ). Transparency regarding the process of the consumer credit application being a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that ALLY BANK AND XXXX XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I gave them a negotiable instrument legal tender of payment for the full amount of the loan. Also, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I reviewed my consumer report and noticed fraudulent inquiries. I reached out and contacted them about these inquiries and neither one can show me any authorization document where i authorized for them to run my consumer report. I need this removed as it is inaccurate and misleading information that has been damaging me constantly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened an account with Ally. Transferred XXXX from acct open. On XX/XX/XXXX I deposit a XXXX check from my XXXX k. Receive a email XXXX will be available XX/XX/XXXX remainder on XX/XX/XXXX. I make several payments. I then set up a XXXX transfer back to same account I originally placed XXXX dollars in. Payments post no problem. Monday I go into my account it wont let me in. I then get a email from XXXX that payment has been returned. Have made XXXX separate calls for them to tell me my account is under investigation that the XXXX dollar transfer was blocked on a frozen account. Called my other bank who said it was not true. Sent them requested documents pictures showing debits coming out of that account. Went over everything I did in the account for them to tell me not to raise my voice and they have up to 30 days to Investigate told me my XXXX check was cleared but the XXXX transfer has caused the investigation and I just need to wait.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/XXXX I phoned Ally concerning a late payment that was reported on my XXXX Credit Report dated back on XX/XX/XXXX. I was a co-signer on a vehicle for my ex wife. It has now been XXXX XXXX and XXXX XXXX and I called Ally Financial to reference this negative mark on my credit ( it was on all three bureaus but was taken off of XXXX ) when I wrote to Ally Finanical but it was not removed from XXXX. During that phone call with Ally Financial I was told that they had no record of my Name or Social Security number for this. I asked if they had any info and they said they could not find any info. I asked then that it be removed. I was told I need the the Vehicle in question that was bought in XXXX by my ex wife who paid it off and does not have that vehicle or any information on it. My issue is they don't have any information regarding me and the negative mark that was put on my XXXX credit report. I have wrote and phoned Ally Financial. I have the account number and they ran it in there system and said it was incorrect but the account number shows up on my credit report. Can Ally be contacted to fix this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A