Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XXXX 2022-XXXX 2022. They have been using different numbers and different companies in different areas of the United States from house loans, car loans, car insurances, credit cards, and banks and it is getting me very frustrated because no matter how many disputes I file it is not getting solved. I dont know who else to turn too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I will mail a complaint to the Utah Department XXXX XXXX XXXX today. I have already submitted a complaint via https : //forms.federalreserveconsumerhelp.gov/. On XX/XX/2022, I made a wire transfer of {$29000.00} to what turned out to be a fraudulent XXXX XXXX XXXX account that was intended to go to a title company as a down payment for a home purchase. I quickly requested the funds be recalled, and with the help of an FBI agent, have been calling Ally Bank Customer Service and XXXX XXXX departments to get a status update. Every time I call, the reps can only tell me that the case is ongoing. Ally Bank has provided inadequate service on this case. I can not get clear responses from the representatives with whom I speak. I have never spoken with the case XXXX directly. No one from Ally has reached out to me for more information or to provide a status update. On XX/XX/2022 I spoke with XXXX at the XXXX XXXX department. He was very uncooperative, did not provide me with useful information, would not provide me with his last name, and could not give me any dates of when this was expected to be resolved. When I requested that he find more information, he said that was all of the information he had. When I asked if I could speak with a supervisor, he said he was only able to transfer me to the voicemail of a supervisor, not a direct connection. To resolve the problem, I would appreciate a direct call from the case XXXX XXXX, or someone who is directly working on the case, to provide me with specific dates and times so I know when this case can be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased the car ( XXXX XXXX XXXX ) in XX/XX/XXXX. The dealer 's website advertised/implied a 3month/3000 mile warranty on all vehicles or 6/6000 for veterans ( which I am ). I owned the vehicle for 6 weeks and 2800miles before a major mechanical failure occurred. The motor was blown and the repair estimates ranged from XXXX to XXXX to replace. I contacted the dealer and they stated that the car was purchased as is with no warranty, they could only offer to provide a used motor at my cost if I needed the assistance in locating one. After several weeks of trying to work with the dealer and repair facility for a solution, I notified the finance company ( Ally Financial ) of the situation. The notice was made before my next payment was due. I explained to them the situation and asked if they could help as I did not want to return the vehicle or have a repossession. Ultimately, they did not offer any solutions leaving me to be forced to purchase another vehicle so that I could continue to work and provide for my family. Afterwards they still continued to call and try to collect the payments, even though I asked them to pick up the vehicle unless they had a way to assist me. Finally, almost 8 weeks later, they picked it up from the service facility. Since then, I have only received a confirmation ( 1st week of XXXX ) that they had possession of the vehicle, but I have had no correspondence or phone calls from them since then. They have since reported derogatory information on my credit bureaus without notifying me of any options to resolve the account. I feel as though the dealer and the finance institution left me in a disparaging situation, by not providing me any options or solutions to my concerns. I clearly stated to the staff at Ally and the manager of the dealership that I did not want to give up the car or, default on the loan, but neither offered any reasonable assistance. I really need assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hi. On XX/XX/2022 I tried to make a transfer of {$1000.00} from my Ally bank checking account to my account in the XXXX XXXX. Due to the insufficient funds the transaction was not completed, but I only learned about this development few days latter when I logged on to my account. Not only I got no message from the bank about this transfer being canceled, but my ability to make transfers was restricted as explained in this message I received trying to make another funds transfer from the Ally Bank- " We can't make this transfer due to current restrictions on your account. You need to call us at XXXX ( ALLY ) to resolve this issue. We're here 24/7. '' I contacted the bank as instructed and I got this message on XX/XX/2022 - " Dear XXXX, Thank you for taking the time to contact Ally Bank. I am happy to assist you with your account inquiry. I apologize for the delay in my response to your message and any inconvenience it may have caused. Upon review, I show the transfer in the amount of {$1000.00} initiated on XX/XX/2022 from the Interest Checking account ending in XXXX to the XXXX XXXX account ending in XXXX failed due to there being insufficient funds in the Interest Checking account. I show a deposit was made into the account in the amount of {$1000.00} from the Ally Investment account ending in XXXX. However, the deposit was not posted when the transfer to the XXXX account was being processed. All mentioned accounts are now active and ready for use. You may reattempt the transfer to XXXX at this time. I truly apologize for any inconvenience this may have caused for you. '' However, on XX/XX/2022 when trying to make new transfer I found out that my account is still being restricted. During the chat with bank associate I was told that - " if a transfer fails, the system will sometimes suspend the account. I see that the XXXX account was unsuspended. However, the Ally account was not. '' On XXXX XXXX I sent a message to the bank asking for answers to the following questions : Why and what kind of " restrictions '' are on my account? Why there was no message about the transfer being denied? Why it takes several days to remove restrictions from my account? P.S. As of XX/XX/2022 I received no reply from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: A report of a auto sent through Ally Financial is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a ally CO showing 90 days late which is incorrect. This account was paid in full and on time. This ally account is only being reported by XXXX and needs to be removed immediately Im being penalized twice for the same issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
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 spoke to XXXX of the Executive Customer Relations Department of Ally Bank XXXX, option # 4, option # 8 and then extension XXXX and asked her again to remove the negative information from my credit file, as any negative reporting violates a court order which is a Property Settlement agreement approved by the XXXX XXXX Virginia Circuit Court. I initially thought maybe they weren't aware of this court order, but I have provided copies via a fax and now in my complaint # XXXX and after speaking with her, Ally Bank still refuses to remove the negative remarks from my credit reports. I explained that the court order says that I can not be held responsible and negative reporting on my credit report is holding me responsible. I replied to her email with my understanding of our conversation, and I have a copy if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : ALLY FINCL/ {$0.00} / XX/XX/2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I scheduled an ACH transfer on Ally bank side, to pull fund from my XXXX XXXX account on XX/XX/2022. The amount is XXXX, is the saving for my home down payment. Fund was pulled from the XXXX XXXX account on XX/XX/2022 and never arrives my Ally account! And now this transaction record was removed from my Ally online account. I lost access to this large amount of saving, never expected I can lost my money on an ACH transfer. Ally customer service keep telling me to dispute this transaction from XXXX XXXX account. But this fund was scheduled by myself and fully pulled away by Ally bank, there is no way the other bank could dispute it. Ally is the side pulled the fund and should return the fund to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive never heard of this I reached out to the original creditors and submitted documentation I didnt give this company consent to place this on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A