Date Received: 2022-06-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX said they cant remove it without a letter from the creditors but they want even respond back to my letters
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my XXXX account and it shows inquiries that I did not authorize. I am disputing these due to them being hard inquiries and hurting my financial future. XXXX : Ally Financial XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I took a trip to XXXX XXXX and booked a hotel only they never had a room for me. I received nothing so I'm asking for the charge to be reversed back to me. XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX - {$120.00} These charges I've discovered now and I have no knowledge of these cahrges being made by me because I've never heard of these places : XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX, XXXX {$51.00} XX/XX/2022 XXXX XXXX, XXXX, XXXX - {$520.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - {$69.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - {$160.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$210.00} XX/XX/2022 XXXX XXXX XXXX, XXXX, XXXX - {$50.00} XX/XX/2022 XXXX XXXX, XXXX- {$40.00} XX/XX/2022 XXXX XXXX, XXXX {$23.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX {$200.00} I ask for all these charges to be reversed back into my account as I did not receive anything from any of them. My card number must have been stolen and used. I feel so much of my money has been stolen. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Good Evening i purchases a used XXXX XXXX XXXX with a loan obtained through ally financial in the amount of {$16000.00} at 19.6 apr for 72 months with a prepayment penalty. They said they would not change the contract. I understand that it is illegal in all 50 states to put in a prepayment penalty on a auto loan greater than 61 months. THank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I got behind on my car loan. I tried to make payments on their website and they refused to accept debit card, credit card or personal checks. I had to go through XXXX XXXX. After I called and told them I would try and make weekly payments to get current in my loan, they started calling me, my sister, my parents and my sister- in-law. I called and asked that they only contact me at my cell phone number and not to harass my family with phone calls. Per my sister they are calling multiple times a day. They call me numerous times a day. In 2 days I had 21 phone calls from them. I have been trying to get out of debt and I have been working with them and paying through XXXX as they have required. XXXX through XXXX is not always open due to short-staffing at XXXX. But, I have been trying. I was woken up this morning to my car being repossessed. I called Ally Auto while they were taking my car and the operator was very rude to me on the phone saying I cant drive a car for free for 118 days. I just made a payment 2 weeks ago and was going to make another payment tomorrow. They have been nothing but rude, aggressive, and treating me like a dead beat lowlife, because I got behind on payments. I am currently working on paying them back and I could have been current if I didnt have to hunt down a XXXX that was open for business. But as I explained to them over the phone last week the constant harassing phone calls have affected my mental health and has affected how my family members treat me because they ( Ally Auto ) let them know I was in collections for not paying my car payment. I have tried to work with them on getting current and they told me my car was no longer in danger of being repossessed and then repossessed it anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: 15 USC 1681a ( 2 ) ( i ) clearly states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report DOES NOT include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ; I have attached a copy of your previous communication to me through the CFPB where you admitted to furnishing EXPERIENCES between your company and me the consumer. This is expressly excluded from the consumer report. No late payments ( ir : experiences ) should be reported on my consumer report by your company. You are in direct violation and will be subject to criminal and civil penalty if you fail to comply with the legal terms of this section.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Frequently, my bank, Ally Bank, will unilaterally halt activity on my debit card and force me to call them, authorize via a set of security questions, and receive an XXXX message on my phone to unlock my card. There is no way to change this setting or configuration on my account. I live in a wooded area which sometimes has poor cellular reception. Without the XXXX message to my phone, Ally will not unlock my debit card, despite proving authenticity with my social security number and security questions. If I am not lucky enough to receive the XXXX message, they refuse to unlock the debit card. I must wait to speak to a person in an office which is only open during bank business hours and which has a special phone number only accessible through frontline support. Through this new policy/program, Ally is actively and frequently denying access to consumer funds for absolutely no reason. This occurred on the following dates : - XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above. - XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94062
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Other service problem
Subissue:
Consumer Complaint: I initiated wire transfer of {$250000.00} from my Ally Bank savings account to my XXXX XXXX savings account for a home purchase deposit at XXXX PST on XX/XX/2022. Later that morning, I received an email saying my Ally online account has been suspended and my account has been flagged for a fraud investigation. Per the instructions in the email, I called Ally 's fraud investigation department and was treated like a criminal undergoing an interrogation. The Ally representative needed me to upload a bank statement from my previous bank, which I complied to. I did not hear anything until the next day, where I received another email from Ally asking to call them to provide more information, and to call the same fraud investigation department phone number. When I called Ally, I was met by another rude representative on the other end, who continued to interrogate me with questions on why I'm making the wire transfer. I asked when the money would be transferred and when I can regain access to my account, to which the representative basically said they didn't know. Today, I called them again to obtain a status update. Again, no updates were provided. When I asked again when they expect the investigation to be complete and when my account will be restored, the representative said it could take up to 30 business days, and to call back in 7-10 business days for another update. Now my home purchase and closing is at major risk and it's likely I will lose out on it. Not only that, but I have no idea where my {$250000.00} is and when I will be able to recover it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Auto is reporting to the XXXX credit bureaus XXXX, XXXX and XXXX that I have XXXX late payments existing on my now paid off loan. I have disputed this incorrect reporting and called associates employed at Ally Auto. Ally Auto will not give a solid answer and can not provide proof that i have made any late payments or the months indicated on the credit report. I have proof that i have made on time monthly payments throughout my loan term, when in fact they are negligibly reporting otherwise causing my credit score to drop. Attached are record of payments made to Ally Auto on month and year where they state the payments were late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96797
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A