Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/XXXX I traded my used vehicle to XXXX XXXX that was currently being financed by Ally Financial. XXXX XXXX cut a check and mailed to Ally Financial on XX/XX/XXXX. I was advised by XXXX not to pay XXXX bill because it was to included in the final payout. However, Ally claimed to not have received final check from XXXX. I contacted customer support on a daily basis explaining to them that the vehicle had been sold to XXXX XXXX. XXXX XXXX also contacted Ally directly to let them know a new check would be issued and on XX/XX/XXXX, they sent it overnight via XXXX. On around XX/XX/XXXX, Ally reported my account 30 days past due. And on my Ally statement it shows receipt of two payments, the claimed lost check and the new check. Both were posted on XX/XX/XXXX. Yet, per my payoff letter, financial obligation of this vehicle was met as of XX/XX/XXXX ( see attached ) The 30 days past due report on my credit has resulted in a XXXX to XXXX point decrease across all reporting agencies. I've filed a dispute with all three agencies who concur with Ally and refuse to update my credit report. I've provided documentation to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a vehicle from XXXX, come to find out the hood had no way of being opened the car jerked something terribly and the radio didnt work either. I bought the car three months and only driven it twice and its been with XXXX since. My radio was changed without me even being aware of it and within the three months theyve had Ive gotten no call email or messages in regards to my car and what changes they were making. Its also super frustrating because the key selling points on the car were changed and upon them telling me my car was ready they just wanted me to take what they were giving. They changed my radio from the original to an after marker that didnt come with XXXX backup camera was awful and now I have to speak through a mic that they put in but it wasnt what I paid for and now Ive made two payments and havent driven it and now Ive been without my car. Moral of the story I bought a car that features were sold with it that were later taken away without being brought to my attention. I had no say so and was basically suppose to be happy with the changes but is actually the complete opposite. I am disappointed in the fact that Ive made two payments and paying car insurance on something that I am not even using or happy with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: This is a commercial vehicle lease that was paid off in XX/XX/XXXX. I received a payoff letter on XX/XX/XXXX for which by XXXX XXXX we had paid the vehicle off. I contacted Ally Financial on XX/XX/XXXX to confirm that it was showing paid off. The customer service agent confirmed it was paid off but told me that because it was a XXXX XXXX it went through another department. She also stated that Ally was undergoing system updates XXXX and they would provide me the lien release on XX/XX/XXXX. Multiple times throughout XXXX & XXXX myself and 3 other people in my office reached out to Ally regarding the lien release. We were always told that we would receive it via by mail or fax or they would check into it and call us back. They never called back nor did we ever receive the lien release. I contacted XX/XX/XXXX regarding lien release to see why we hadnt received it. They said they would send the lien release. Never received. Multiple times at the beginning of XXXX XXXX people from my office tried contacting them and got the same response and never received a call back. By the 3rd call each was hung up on. I contacted Ally on XX/XX/XXXX and was told they would fax the lien release within 24-48 hours. I contacted Ally on XX/XX/XXXX and asked for the Supervisor. I spoke with XXXX XXXX ID # XXXX She was helpful in getting information and forwarding me to the correct department. I also received a XXXX # XXXX from her. I contacted Ally on XX/XX/XXXX and spoke with XXXX in the XXXX XXXX XXXX. He informed me that Ally had switched to a new computer system in XX/XX/XXXX and the file was no longer available on their system. He said he would get his supervisor involved to pull documents needed to clear the title and it could take 5-7 days. I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. Asked for XXXX and was told he was unavailable and would call me back. Never received a call back. I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. He said XXXX was not in the office that day but he would have him call me back. Never received a call back. I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. He said XXXX was in a meeting and he would have him call me back. Never received a call back. I contacted Ally Remarketing Team the week of XX/XX/XXXX and spoke with XXXX. He was helpful in finding information regarding the vehicle, said he would get with the Supervisor and get something to me regarding the lien release. Never heard back from them. I contacted Ally Remarketing Team on XX/XX/XXXX and spoke with XXXX. He said he would forward information to his supervisor. I asked to speak with her and was told she was out of the office. I asked for her name and he told me XXXX. Never heard back from them. I contacted Ally Remarketing Team on XX/XX/XXXX. After being hung up on a couple times without even a hello, once I went through the automated system and got to the department, XXXX finally answered. It was as if they had my phone number down so they knew what call not to answer. I asked to speak with XXXX, the supervisor, and was told she was in a meeting and would call me back. Never received a call back. I contacted Ally Remarketing Team on XX/XX/XXXX. Again, once I went through the automated system and got to the department, after being hung up on three times without even a hello, XXXX finally answered. I asked to speak with XXXX, the supervisor, and he asked me to hold while he reached her. I was hung up on yet again. Never heard back from them. I called them back on XX/XX/XXXX using my husband phone and XXXX answered promptly. Asked to speak with XXXX, the supervisor, and was told she was unavailable and would call me back. Never heard back from her. On XX/XX/XXXX I did receive a call from XXXX asking for the mileage of the vehicle. I informed XXXX of the mileage. XXXX said once he received the information from his supervisor, tomorrow, he would process the lien release. On XX/XX/XXXX XXXX contacted me. He said he would be emailing me the mileage statement and for me to sign, put the mileage on it and send it back. Once he received it back he would have the company release the title. On XX/XX/XXXX I received a docu-sign from XXXX. Filled it out and hit finish on the document. On XX/XX/XXXX I received an email from XXXX with the Bill of Sale & mileage statement for the vehicle. On XX/XX/XXXX a package was sent from Ally overnight via XXXX to our old address at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ. I had given XXXX XXXX XXXX the new mailing address but apparently this information was not forwarded to XXXX or the department sending out the title. Sent email to XXXX on XX/XX/XXXX asking if title had been mailed and giving him the new address to send to. On XX/XX/XXXX I called XXXX inquiring about the title. He confirmed it was sent to the old address. He emailed me the tracking number for XXXX package. On XX/XX/XXXX XXXX tracking stated it was delayed. On XX/XX/XXXX XXXX tracking stated it was delayed. On XX/XX/XXXX XXXX tracking stated it was delayed. On XX/XX/XXXX I reached out to XXXX to see what the delay was. It was delayed because of the mailing address. I had it held at a XXXX location and picked the title up on XX/XX/XXXX. On XX/XX/XXXX, 31 months after the vehicle was paid off, I have received what I needed ( the Title ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have a Money Market Savings account with Ally Bank. I made an ACH payment transaction on XX/XX/2022 and the payment amount was {$10000.00}. Within 48 hours, I disputed the transaction requesting an ACH reversal. Ally Bank did nothing about it other than " restricting '' my account. Interestingly, " restricting '' means I am not allowed to withdraw money. However, I am allowed to deposit money. Later on Ally Bank closed the dispute without citing any reason. Ally Bank did not remove the " restrictions '' yet. I called them many times and also wrote to them several messages but to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was closed until XXXX XXXX they charged it off and then now reopened it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 602 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may mot 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: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I opened an Account with Ally bank to deposit a check I won from gambling website " XXXX XXXX '' for {$20000.00} dollars. I used their mobile deposit feature. The original check of {$20000.00} was processed by Ally Bank on XX/XX/XXXX, and it cleared on XX/XX/XXXX. The check accrued interest of {$2.00} cents meaning the funds had cleared and we valid. The check did not bounce nor was it recalled. The Fed also cleared the check and I have verified with the check issuer that the funds have been taken out of their account and not reversed. Ally Bank wrongfully closed out my account due to not being able to verify the check with XXXX, however XXXX bank has a company policy that does not allow them to verify checks. For this reason Ally closed my account due to fraud which was incorrect. Ally currently has my {$20000.00} dollars and are refusing to help me or reach out to me to send me back they money that has cleared and they owe me. I have been trying to get this resolved for over a month and have made no progress. I have spoked to the check issuer " XXXX XXXX '' and Ally Bank on a XXXX way call to confirm the check was legitimate however this did not resolve the issue, as Ally refuses to accept the check is real when I have proof the check cleared the FED. Ally has not attempted to contact me a single time and continues to ignore me. I have attached the FED lookup tool for checks bellow provided by XXXX XXXX to verify the legitimacy of the check clearing the Fed and that the money is owed to me and I will have to pay taxes on.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The enquiries on my report are not authorized by, dont have any knowledge of it and I did not give approval.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I, am that I am, the consumer in fact, natural person, original creditor, lender, executer, administrator, holder in due course for any and all derivatives thereof for the surname/given XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all matters proceeding, and herby claim that I will d/b/a XXXX XXXXXXXX XXXX XXXX, and autograph as the agent, attorney in fact, so be it. Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following fact, so be it, now present. Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) ( c ) This transaction includes a finance charge, and the finance charge includes insurance which protects the creditor against the obligor loss and or property damage. XXXX XXXX XXXX XXXX XXXX did not include my insurance in my finance charge, instead they requested an insurance policy to satisfy the requirements for the use of the credit extension. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S.C 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. XXXX XXXX XXXX XXXX XXXX in fact required a down payment and took cash in the amount of {$12000.00} dollars. The finance charge listed is not the total of all money paid for credit ; it excludes the interest paid over the life of the loan and all processing charges. The annual percentage rate is not the true rate of interest for money or credit available to the borrower. The annual percentage rate was not calculated using the total finance charge ( including all extra fees ). Fact, Affiant is aware and has proof in attachment labeled as exhibit A, B & C XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 USC 1611. XXXX XXXX XXXX XXXX XXXX XXXX willfully and knowingly failed to provide/disclose information required under the provision of 15 U.S.C 1601. They are now civilly liable and criminally liable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A