Date Received: 2022-08-28
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I have contacted Ally by phone and by mail ( 3 registered mail with return receipt ) regarding fraud on my account and I have no response.
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: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2022, I visited the XXXX dealership on XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX XXXX XXXX for personal, family and household purposes. received a letter from Ally Bank dated XX/XX/2022 in regards to an application for a credit sale. The dealership denied financing, kept the original consumer credit application and told me that I would receive a letter within 14 days about the decision. The ( attached ) letter is what I received. It appears that Ally Bank based their decision on not being able to view the credit score from XXXX and XXXX XXXX. I'm confused as to how Ally Bank denied this transaction when The Truth in Lending Act states : 15 U.S. Code 1638 - Transactions other than under an open end credit plan " ( ii ) add any charges which are not part of the finance charge or of the principal amount of the loan and which are financed by the consumer, including the cost of any items excluded from the finance charge pursuant to section 1605 of this title ; and '' ... Since I am the consumer financing this transaction, Ally Bank has no right to deny this credit sale. The letter received is misleading, unfair and deceptive. I have been calling and emailing Ally Bank to no avail. As a Maryland consumer, I am aware that I have been deceived since the beginning of this consumer transaction. Maryland Commercial Law Code, Title 13 ( Consumer Protection Act ), Subtitle 3 ( Unfair or Deceptive Trade Practices ) Section 13-301 et seq prohibits a person from engaging in unfair and deceptive procedures More specifically, an unfair or deceptive trade practice includes : Making a false or misleading oral or written statement, visual description, or other representation that has the capacity, tendency or effect of deceiving the possible tenant ; Failing to state a material fact if the failure deceives or tends to deceive. I have been given false information orally and in writing by Ally Bank, XXXX XXXX and the XXXX XXXX. During the application process, my nonpublic personal information was shared with consumer reporting agencies. I was never given a clear and conspicuous disclosure to opt out of my nonpublic personal information being disclosed to non-affiliated third parties. The Gramm-Leach Bliley Act defines the following : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. A consumer reporting agency as defined in the Fair Credit Reporting Act. Congress states ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Consumer reporting agencies were not appointed by the government, they have assumed the role of volunteers. The data reported by consumer reporting agencies is also an unfair and deceptive trade practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 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 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: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
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: I told the XXXX associate at XXXX XXXX to charge my account the XXXX that was available to be used, he over swiped XXXX onto my account. They will not accept or return my XXXX XXXX because that is the only way that they could fix that problem I was told. It has been almost 3 months now and I am tired of this issue not being resolved or disputed. Ive had identity theft going on heavy with my accounts and I want my issues resolved already. I want the people who tried to take out loans in my name, who wrote fraudulent checks, and who have been trying to steal my identity and intimidate me to pay for their crimes in a court of law to the highest extent. I will be pressing charges against eligible partys and affiliates for punitive damages to my mental health and my mental well being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: A ( multi-year old ) Ally XXXX account reappeared on my banking website. This occurred XXXX months ago, and I have called the company dozens of times in the hopes of a resolution. I have been escalated and transferred between 15 departments. Each area claiming the resolution is either on the way or being looked into. The latest update was a support ticket with their IT department which has not been seen/worked on by anyone for the last 3 and half weeks. I'm deeply concerned how a closed account was reopened without my acknowledgement/consent and the completely inaction of Ally XXXX to remedy the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58501
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ally Bank notified me that I will be penalized on XX/XX/2022 if I do not reverse the overdraft of {$80.00} that was fraudulently charged to my account by a tourism company. I have received numerous emails warning me that I must bring my account back up to balance. I disputed the transaction today. I have been unable to reach Ally 's customer service to speak to a human being about this matter. I am unable to log into my account on mobile due to their faulty app. I learned that there has been widespread fraudulent activity among Ally customers and I am confused as to why Ally has not been transparent about this information. They need to be penalized for their failure to protect banking customers ' personal information, and for their insistence on continuing to do business as usual without openly informing customers that this widespread fraudulent attack has occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 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 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: TX
Zip: 79416
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: All debt is obligation of the United States in accordance with 18 U.S.C 8 and being that Ally Financial Inc is attempting to collect a debt from I, the consumer makes them guilty and in violation of False Claims Act ( FCA ) 31 U.S.C 3729-3733.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have reached out to all of the following companies and XXXX by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Ally Financial, XX/XX/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 Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A