Date Received: 2022-10-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my credit one time to see what I qualified for. But instead they ran my credit 10 times with multiple banks. This reflects on my XXXX, XXXX and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with 5 inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and XXXX reports. Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. the fourth time where my credit was shot guned without my approval was one XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. This is a total of 27 inquiries when i only own 2 vehicles. XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( THIS IS THE DEALERSHIP I USED ) XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANICIAL XX/XX/XXXX XXXX XXXX ( DUPLICATE XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Dear Ally Financial I, the consumer and natural person, was denied credit by Ally Financial when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Greetings, To whom it may concern I the consumer : XXXX XXXX XXXX. come in good faith. So this complaint is on going from complaint # XXXX, I also must add that I also sent ALLY FINANCIAL a affidavit to rescind the transaction and pursuant to title 15 U.S.C 1635 ( b ) allege creditor has 20 days after receipt of a notice of rescission to return to obligor downpayment and or all payments made by obligor and termination of any security interest created under the transaction. CFPB Let it be known that ALLY is harassing me and sending me letters stating that they are going to repossess my vehicle if I dont make a payment. I can not believe said company is not being in honor of federal law, it is known now that if ALLY sends any one person 3rd party to repo my vehicle they will be in breach of federal law, and I will press any necessary charges as they do not have first hand knowledge pursuant to rule XXXX02 of federal rules of evidence. CFPB I put ALLY and there registered agent on notice that I was rescinding the transaction over 20 days ago I have the return receipt as well for proof. Thats is all a consumer is required to do absolutely nothing else. So CFPB please assist me with this matter as said corporation is bullying i the consumer. Thanks in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Ally Financial Inc., has continued to ignore my notice of billing errors, and they have continued to report data that is known to be false or would be known to be false. I have requested documentary evidence according to GAAP and they have refused to disclose this information. I have requested account-level book keeping information to verify that the information is accurate and they have failed to disclose this information. Confirming that the data being reported to third party credit reporting agencies to be false or would be known to be false. I am requesting this information to verify that the data being furnished is accurate and is in compliance with the XXXX XXXX standard for companies that furnish information to credit reporting agencies. This false information has not been verified upon request and my dispute has not been reported causing my credibility to be questioned. It has also caused mental anguish and severe stress. The damage I have suffered from their failure to comply is in the amount of {$50000.00} that I am seeking in relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX after receiving a solicitation email from ALLY Bank, I opened an interest checking account and funded it with a deposit first, then created direct deposit to continue funding the account starting on XX/XX/XXXX. The solicitation letter said if I did those things, I would receive a {$250.00} bonus into my account " within 30 days of receiving your first direct deposit ''. I do have an email from ALLY from XX/XX/XXXX stating I had done what I needed to do, and the subject line was " Good news- you're enrolled in the cash bonus ''. I called last week and asked where the bonus was, and was told that actually it would be deposited 30 days EXACTLY from my first direct deposit transaction - as such it would be deposited into my account on XX/XX/XXXX - OR within 24 hours of XX/XX/XXXX. On XX/XX/XXXX I checked my account to find that it still was not there. I called ALLY Bank AGAIN, only to be given the run around, and no one can give me a direct answer. They have " escalated '' my issue but I have heard nothing from them since my call 2 days ago, and as of now, there is still no deposit of this {$250.00} bonus in my checking account. I am starting to feel as though this was a scam solicitation. I am not sure what else I can do about it. I can forward the email to you if you like.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The credit report agency has allowed companys to violate the fair credit act by reporting erroneous and non consistent data for over 3 years violating my rights as a consumer. I have fought with the bureaus and the company to explain the account balance wasnt showing correct amounts and skipped several months with me paying but the balance never decreased. The attached shows from XX/XX/2019 to XX/XX/XXXX only a slight decrease as if I wasnt paying. However i have bank statemnts from that timw period that i was paying consiatenly. Also when I wrote to them explaining and providing proof of Covid documentation explaining why I was late in a separate incident they still claim I was late but never changed any of that information. Later when I brought to their attention my balance was still incorrect they only changed the information to benefit them and never removed any late payments only trying to cover up the balance mistakes. However affecting my credit score tremndoulsy by having erroneous data reported differently to all credit bureaus for years and excuseable medical documentation ignored. All extra payments to them was never paid to my principal and never documented correctly. They have violated my rights as a consumer. Sharing erroneous information to creditors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have attached a copy of a screenshot showing Ally advertising the interest rate being 2.25 % when you can see that it is actually 2.225 %. This is a small part of a big problem at Ally Bank. A 5-minute wait is too long ; never mind the XXXX minutes I wasted waiting on XX/XX/22 to speak to an agent.
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: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off an auto lease in full with Ally Auto in XX/XX/XXXX. In XXXX, they reported to the credit agencies that my account was closed. One week later, ALL 3 credit agencies slashed over XXXX points from my credit score. All 3 agencies indicated this account was a settlement for less than the full amount. That is not correct - the full amount was paid.. I called Ally Auto on XX/XX/XXXX and discussed. My point is that all 3 credit agencies took the same action at the same time based on the report sent by Ally Auto. Only something in their report could have precipitated the same action by the credit agencies. I told their representative my expectation was that Ally would communicate with the credit agencies to correct my report. The rep told me their report only stated the account was paid in full, and it was my responsibility to fix the problem. I strongly disagree. I have no information I can provide the credit reporting agencies that will change their action. Only XXXX XXXX can speak authoritatively to how the account was closed and the wording in their report to the credit agencies. I am also appalled that the credit agencies have the authority to slash a credit score for one possible minor infraction. WOW!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48317
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This concerns XXXX a bank with only online presence. Upon loosing my ATM card it took XXXX hours to request another one, and XXXX hours to have it authorized. The company doesnt have enough people to answer the phone. And it gives preference based on the amount of deposit with the bank. Also, when trying to make a transfer to another bank, it took 3 days, and it was unclear when it would happen. This bank doesnt have a brick and mortar presence, therefore it should have an easily reachable presence on the telephone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A