Date Received: 2022-09-19
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: Due to COVID-19, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. I tried contacting the XXXX credit bureau and told them that the bank agreed to not report the late payment account. I believe XXXX is violating FCRA Sections 611 and Cares Act. Below are the accounts with erroneous information and Id like to be remedied ASAP. ALLY FINCLXXXX 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: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: My application was denied but how is that possible if you guys said you were in compliance with truth in lending? Why is it that i have to put a downpayment when ALL charges are covered by the finance charge? And also when IN FACT a down payment is ILLEGAL! When I did this application I gave you guys my Social Security number ( my XXXX XXXX XXXX ) and my signature... I gave you guys authorization with my signature and ssi to go into my XXXX que trust and take the payment for this vehicle... so how can I be denied an extension of my own credit??? According to 15 USC 1605 - Determination of a finance charge states... ( see attachments below for full law quote ) When if fact this is the case, so why are you guys asking me to pay separately for anything when the finance charge covers EVERYTHING. You all may want to take this up with your power of attorney because i know you are PROBABLY naive to what i am talking about and i don't expect you to know when you don't study the law like i do... However i am willing to overlook these Violation AS LONG AS iam given the vehicle i applied for with NO out of pocket payments OR refund me IMMEDIATELY my payment of {$60000.00} from my Cestui Que trust & signature. Hi am giving you guys a chance to make this right. If my request are not accommodated i will Report these violations to the Cfpb, the FTC, the attorney general, and congress who IN FACT made these laws. Pick your choice. ( I am not just a young girl with a pretty face I know way more than you think I know ) in accordance with my complaint my i stated a down payment was illegal. A down payment is not illegal HOWEVER a downpayment in a transaction that uses consumer credit IS IN FACT ILLEGAL! so why was I charged a down payment in order to be approved to get my car. According to the laws ( see attachments below ) i should not have been charged a down payment in my consumer credit transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I've opened checking account with Ally bank on XX/XX/XXXX. When I open this account, Ally bank sent me the offer that I'll receive {$250.00} bonus cash if I meet the requirement by XX/XX/XXXX. The requirement was 1. Enroll by submitting your email address and offer code ( XXXX ). 2. Open and fund a new Ally Bank Interest Checking or Online Savings Account between now and XX/XX/XXXX, using the email address you submit. 3. Set up Direct Deposit and receive a qualifying Direct Deposit by XX/XX/XXXX. 4.Keep your new Ally Bank Interest Checking or Online Savings Account open and in good standing until we deposit your bonus by XX/XX/XXXX. I did everything for the requirement. I'd contacted Ally bank since XX/XX/XXXX, but it still no result about this bonus. They keep told me that my case is the priority case, but no one can tell me when I'll get my {$250.00} bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was charged off and have failed to send me a 1099c debt cancellation form. As income that is not allowed to be reported onto a consumer report so it needs to be remove immediately. It is in violation of FCRA 15 U.S.C 1681sXXXX ( a ) ( XXXX ) ( a ). Also this account keeps updating every month on my consumer report as charged off after originally being charged off on September 2021. They continue to repeatedly update the payment history which charge offs should not have active payment history. They have abused the statue of limitations and violated my rights. I am demanding a deletion of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Problem when making payments
Subissue:
Consumer Complaint: I lost rime do to cov XXXX and got behand on my payments and have been trying to work something out with them so i made a payment of {$250.00} on XX/XX/2022 the told me that it whould keep it from going to collactions so they then then harassed me saying if i did not make another payment my account will go to collaction so on XXXX i set up a payment with my debit card for the amount of {$290.00} to keep my account from going to collactions then then refused my payment then send my account to collactions and broke the agreement we made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ally is making is very difficult to dispute debit card charges. On the phone they push you to dispute transactions online but the dispute website is non functional and does not let you submit the form. They have not responded to my message about this and ignore the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX of 2022 I received an international wire transfer per the attached screenshot. Ally bank for a reason unknown received the money and then sent it back to the sender, which the original sender has as of the date of this complaint not received. I have called and written emails to Ally Bank to find out where the money is and no one seem to be able to give me any answers and hands me off to other representatives who also have not much information. I am requesting that this be investigated so that the sender can re-send me the money as this was for a refund on a vacation. I am requesting that Ally bank communicate in writing only regarding this matter please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom it may concern, Thank you for your response on XX/XX/2022 addressing my dispute of a credit inquiry I did not authorize on XX/XX/2022 at XXXX XXXX XXXX XXXX. Thank you for revealing your source of how you obtained my credit information. However in accordance with the law. 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. Company MUST prove they had your permission! The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application electronically or physical authorizing the disclosure of credit files with my signature, I will accept the inquiry. If a signed authorization electronically or physical can not be found please remove the inquiry from the main credit bureaus XXXX. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. Best Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The fair market range price for the XXXX XXXX XXXX at the time of repossession was $ XXXX {$48000.00}. They only sold the vehicle for {$26000.00} in XX/XX/XXXX. The vehicle had XXXX, xxx miles at the time of sale. The creditor ( Ally Financial ) has purposely sold the car much lower than fair market value. The lender also never gave me any written notice of the date and time the auction was being held. The lender never gave me a written calculation of the deficiency balance, including a description of fees and charges. I was unable to participate in the auction and unable to exercise my rights in the matter. Ally Financial failed to provide me with the required written notices and destroyed my credit. I might take further legal action. Please let me know what I should do about this situation. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A