Date Received: 2022-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made a payment on XX/XX/2023 of {$800.00} via their third party payment processing company XXXX. & they have yet to give me credit for my payment. Ive faxed to them several times my bank statements but have still failed to give me credit and now they are threatening repossession. Attached is my proof of payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27701
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I started a request to transfer all assets in my XXXX IRA account ending XXXX with Ally Invest to XXXX. On XX/XX/XXXX, most of assets were transferred except one mutual fund, XXXX, valued {$5600.00}, are still remaining with Ally Invest. Even more surprisingly, that XXXX IRA account has been marked as " CLOSED ''. Since then, I called Ally Invest twice on XX/XX/XXXX and XXXX. The representatives said they would file an inquiry but until now, nothing has happened. Those securities of mine are still kept in a " closed '' account in Ally Invest, and I do not have a way to access them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have two hard inquiries on my credit report from XX/XX/2021. I should only have one reported. Called company and they refused to help or remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73507
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Ally Bank sent me an application denial letter. This is 2 of 3 attempts to open a banking account in my name fraudulently. Ally Bank did not open an account because they could not verify identity. I did not request an account from Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48348
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have contacted Ally with an AFFIDAVIT for the VALIDATION of DEBT for account # XXXX, and a valid contract between me and ALLY with my wet signature. After 56 days, Ally has failed to reasonably respond to the changes to the contract I have submitted with my presentments. As a remedy to this, I have made a demand for zero balance, demand for the grant of my title ( CLEAR and FREE ), demand for the reimbursement of the downpayment of {$1000.00}, demand reimbursement of code violations in the amount of 21,000 for those code violations, demand for the cost of postage for {$100.00} and demand for removal from all consumer reports. This company has not responded to my presentments and as of XX/XX/2022, I have waited for 56 days and therefore VOIDS their claims against me and their security interest in the XXXX XXXX. The mailings above were sent via return receipt which I have that are signed by this company. The XXXX, XXXX XXXX, has been contacted as well. Due to the non-response, I am now sending my INTENT TO SUE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ally financial have inaccurately reported late payments to the credit bureaus on my consumer report. I pay my car note as agreed. I was never late. I have contacted them but they still have not corrected this issue.
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: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking and savings accounts were closed. I called in and was told there wasn't a reason why it was closed, I would get a letter and the money from my account in the form of a check in 7-10 business days. I was not satisfied with this so the agent looked and looked, and found no reason, but said she thought I might have violated their deposit agreement. I wish I had enough money to violate a deposit agreement .... Eventually when I went to escalate the call, she contacted someone in another department, and said that because I had a fraudulent charge of {$4.00} from XXXX ( confirmed from XXXX it was someone else ) they were going to close my account. Mind you, this had already been credited and a new debit card had been issued and was being used. So two reasons, neither one makes sense There was absolutely no warning whatsoever and it doesn't take a genius to realize a bank is not going to close the account of a 5+ year member over a {$4.00} charge. I even asked if they could expedite the money in the account to me, and they refused. I believe it may have had to do with receiving public assistance. I really can't think of another reason why it would be. Obviously, this is illegal, so I am here filing the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In 2020 I did a voluntary surrender of my truck due to the covid pandemic and not being able to afford it. Ally Financial sold the truck and passed the remaining balance to a debt collector XXXX XXXX XXXX. Ive had my bank send them checks every month for {$100.00} since we were made aware of the remaining balance that was owed. I have never missed a payment in the few years Ive had this collection. I noticed that this XXXX my payment wasnt collected, but XXXX had been. My husband had contacted XXXX which his was then informed that Ally took back the payments. He spoke with three different people within two companys and no one could tell him any information about our account, balance, anything. He asked for a letter that had their letterhead with an address, phone number, account number, balance and dated. The customer service person told him no that he could set up our payments with them. Which my husband said no I want a letter with all of the information I asked for. We want the extra proof from our bank that checks are sent and cashed. The customer service person refused. This was on XX/XX/XXXX. We have still yet to receive any kind of noticed of who actually has the debt on our truck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 153XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A