Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone ran a credit report without my knowledge or my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Someone is using my information trying to get an auto loan in my name. At serveral different places.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX This was the last complaint number for cfpb. The company responded stating XX/XX/23, that if the {$550.00} provisional credit they had isssued while investigating was found in my favor that the provisional credit would be permanent & the fees associated with this fraudulent transaction would be removed & my account balance {$0.00}? I also received two letters dated XX/XX/23 one stating that the {$550.00} was found in my favor the second letter stating I was mailed out a new replacement card? But I called & was told my account is in the ally bank collection dept? No card has been sent to me?? Conflicting information from ally bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This Ally Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Hi! This is a follow-up to my complaint case # XXXX that was never resolved. Based on the letter attached in the above case dated XX/XX/XXXX, Ally Bank has elected to charge off our loan and release the lien, and they are in the process of doing so at this time. Today, XX/XX/XXXX, I received a letter from Ally Bank and once again it is about an offer for a resolution to avoid foreclosure. I was expecting to receive the hard copy of the said letter that they will release the lien and charge off the loan. This company has been giving me stress for over a year now. And I thought this would be resolved. Are they trying to trick their consumers and CFPB? They said one thing but did not follow through. They have to stick to what they say in that letter dated XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I have sent a letter to Ally Financial to provide proof regarding the late payment. the Congress states pursuant 15 U.S. Code 1666b - Timing of payments the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 - Open end consumer credit plans XXXX days before due date. I have requested from Ally Financial a proof that all the required information by law was sent XXXX days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Ally Financial violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complain. On XX/XX/2023 Ally Financial responded with letter that looks like a statement but it is defiantly was not proof required by law. I have sent them my second letter on XX/XX/2023 giving them a final opportunity to resolve the matter but they ignored it by responding with the same type of nonsense letter that they responded previously on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My leased vehicle was stolen and Ally Auto is my lease provider for my business loan leased vehicle I called them to report total loss and they are refusing to accept the details even though the vehicle was stolen and they do have gap insurance on the vehicle in the amount up to {$150000.00} which is more than the vehicle is worth as this point. I been trying to provide them with police report but they are refusing to accept it. Its a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX of XXXX XXXX. The police report is with XXXX Police department report number XXXX phone number XXXX. They are refusing to open a total loss case as required by law since they are my gap insurance XXXX XXXX department. I need them to accept this information and right this off as a XXXX XXXX They are also reporting in accurate information on my credit report since this is a total loss which is a violation of the fcra and the XXXX debt collection act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I concluded a lease trade-in for my account ( XXXX ) with XXXX XXXX XXXX of XXXX , Ohio. The following day, XX/XX/XXXX, I received a communication from Ally Financial regarding a late payment. I promptly clarified that the vehicle had been sold the previous day. Despite this, on XX/XX/XXXX, and continuing through XX/XX/XXXX, I received multiple subsequent calls from Ally Financial, each indicating a late payment. I repeatedly informed them of the vehicle 's sale. On XX/XX/XXXX, I contacted XXXX XXXX XXXX of XXXX for more information regarding the payment status. They confirmed that Check XXXX for {$44000.00} had been dispatched to Ally Financial via XXXX ( tracking number XXXX ) and was received on XX/XX/XXXX, at XXXX XXXX ET. Later that day, I relayed this information to Ally Financial 's collections department, which led to a cessation of the repeated calls. By XX/XX/XXXX, my Ally Financial account ( XXXX ) reflected a {$0.00} balance, indicating full payment and no outstanding dues. However, on XX/XX/XXXX, a XXXX alert notified me of a XXXX-point drop in my XXXX credit score due to a " 30 Day Late '' report by Ally Financial. Upon checking, I found the account marked as 'Past Due ' with a balance of {$19000.00} and 26 remaining payments. Upon contacting Ally Financial, I was informed of system downtimes preventing immediate resolution. The situation worsened on XX/XX/XXXX, with additional XXXX alerts indicating further drops in my credit scores. After an extensive three-hour call with Ally Financial , I was informed that the payment check had been canceled by the dealer, necessitating further contact with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, after their investigation, the dealership confirmed that the check had cleared and was neither returned nor canceled. The company responded with the following information, admitting fault, on XX/XX/XXXX ( summarized ) : " The correspondence addresses XXXX XXXX 's lease agreement with Ally XXXX for a XXXX XXXX XXXX XXXX, initiated on XX/XX/XXXX, through XXXX XXXX XXXX, with monthly payments of {$760.00}. The document acknowledges that the agreement was later assigned to Ally Bank Lease Trust and highlights a prior communication on XX/XX/XXXX, detailing corrections to the contract, indicating some initially incorrect or omitted information. Further, it provides a detailed payment history up to XX/XX/XXXX, urging XXXX XXXX to report any discrepancies between his records and the provided history for further investigation. The history outlines the receipt of payoff funds from XXXX XXXX XXXX dealership on XX/XX/XXXX, and the initiation of the dealer buyout process. It also mentions the issue of the account being reported as over 30 days past due to the late XX/XX/XXXX, payment. The response concludes with Ally 's action to request consumer credit reporting agencies to update their records to reflect the account as zero payments over 30 days past due. It encourages XXXX XXXX to verify these updates with the agencies after 30 days and provides contact information for further assistance or inquiries. The communication reflects a structured approach by Ally to address the concerns raised, offering transparency about the events and steps taken. '' In XX/XX/XXXX, I acknowledge the detailed investigation conducted and the subsequent corrections made to my consumer credit reports. Despite these efforts, the period during which incorrect information was present has inflicted immediate and significant damage to my entire credit portfolio. This situation has led to a distressing reduction in my financial flexibility and credibility. Now, in XXXX, XXXX, I am still suffering the damage from this. During the time the erroneous data remained on my reports, I have encountered several detrimental effects. Notably, 90 % of my credit card issuers reduced my available credit, directly impacting my financial maneuverability. Additionally, my XXXX scores experienced a substantial average drop of over 100 points. This decline in credit score is not just a number ; it represents a setback in my financial reputation, current and future borrowing capabilities. Although my records have been updated, the ramifications persist. The inability to reinstate my previous credit limits, due to the past-due reports, has further strained my financial health. This discrepancy has shifted my credit standing from good to poor, This single incident has effectively erased years of diligent financial management and will require a prolonged period to recuperate fully. The enduring impact on my creditworthiness is not just a temporary inconvenience but a long-term hindrance that will affect my financial decisions and opportunities for years to come. The gravity of this situation can not be understated, as it undermines the trust and reliability I have strived to build with financial institutions over many years. Furthermore, the consequences of this erroneous and grossly negligent reporting by Ally Financial have escalated to a critical point, severely undermining my financial stability. As a direct result of the cut limits instigated by the false 30-day late payment, my credit cards are now being systematically closed. This action has not only buried me under an insurmountable burden but also effectively barred me from obtaining new credit, trapping me in a vicious cycle of diminishing financial resources. The subsequent cutting of limits and closing of cards has had a profound and distressing impact on my mental health, financial health, and the stability of my family. Over the last nine months, I have faced a denial of over {$200000.00} in credit. Each attempt to rectify the situationwhether paying off a card or reducing the balancehas been met with immediate closure or further reduction of my credit limit, maintaining a suffocating level of over 95 % utilization. The negative mark, which still lingers on certain reports inaccessible to me as a consumer, has thwarted my ability to leverage equity in my home, as banks continue to receive this erroneous information. Consequently, my XXXX mortgage score has plummeted into the 500s, reflecting the severe and ongoing repercussions of this single report. Amidst this financial turmoil, I find myself in a state of despair. Despite having no late payments, only cut limits, and closed cards, I feel increasingly trapped and powerless. The psychological toll is immense ; I am enveloped in a sense of XXXX and entrapment, with no apparent avenue for relief or support. The weight of this situation bears heavily upon me, leaving me desperate for a solution to help my family and restore the financial stability and security we once knew.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I noted charges I did not authorize to merchant, XXXX XXXX. I contacted XXXX XXXX and was told to dispute through my credit card company. I called Ally Bank and was told I would receive a credit for the charges by XX/XX/XXXX. No credit has been applied and everytime I call Ally XXXX told a different story. The purchases are {$180.00} and two {$40.00} transactions. Ive also sent a certified letter to Ally disputing the charges per the Fair Credit Reporting Act. I received a letter from Ally stating the charges never posted to the account. I called Ally and was told the letter was an error. I was told that Ally submitted the dispute to the wrong department initially, told it was at the right department, tons of excuses. Im kept on hold for 30+ minutes during each call. I contacted Ally multiple times since the XXXX when I noted the credit was not applied. Ive been told a different story everytime I called. Ive been promised a call by the supervisor and no call has been received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A