Date Received: 2022-05-31
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: some of my accounts are to old and some are not in there system and some inquiries i did give company 's permission to run my credit on { 1 } XXXX XXXX XXXX XXXX # acc XXXX { 2 } INQUIRIES ally financial XXXX XXXX { 3 } XXXXk XXXXXXXX XXXX { 4 ] XXXX XXXX XXXX XXXX XXXX XXXX 1 } XXXX XXXX account XXXX closed XXXX { 2 } XXXX XXXX XXXX old balance paid off { 3 } inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1 } cXXXX XXXXXXXX XXXX to old { 2 } XXXX XXXX XXXX XXXX to old paid off { 3 } XXXX XXXX XXXX paid off { 4 } XXXX XXXX inquiries needs to come off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a complaint with CFPB, however the issue was closed without reviewing the complaint. The company responded with an original contract which was 'not ' my complaint. The complaint is related to the debt being too old to be on my credit 'AND ' when I filed a dispute about it on XX/XX/XXXX, the company updated the record reducing the owing balance by {$1.00} to manipulate the system to cause my credit to drop over 45 points. Complaint # XXXX : On XX/XX/XXXX, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XX/XX/XXXX, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by 45 points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX is trying to recover XXXX for Ally. I was a part of class action lawsuit against Ally. As part of Ally settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by Ally no further attempt would be made to pursue. I have tried to contact Ally and XXXX is aware yet continue to call and threaten me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31204
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
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 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: CA
Zip: 94503
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Financial has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet Ally failed to respond accurately and actually contradicted itself in both responses. Ally account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with Ally on resolving the corporate failure to pay. As terms of that settlement Ally agreed to remove the trade line info from my personal credit history once payment agreed to was made. Allys terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but ALLY claimed to have no records of the payment. We needed to go to our bank and request proof Ally cashed the check. That transaction came back as cashed XXXX. Once we showed proof to ally they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. Ally came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. I am asking the CFPB investigate into Ally for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. Sincerely, 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: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/22, My husband and I sold our home for {$150.00}, XXXX. I called Ally bank on XXXX and advised of amount of wire coming in and how much, also inquired about if it was anything I need to provide the title company ( who handled the sales transaction ) to make the wire smooth and not a issue. I was advised by customer service rep, all I needed to provide was ALLY routing number and my account number. I provided information to tittle company and wire was processed and completed. I was able to check my online banking on XXXX & XXXX and wire amount of {$150.00}, XXXX was in there, I made a wire transfer of {$50.00} of the {$150.00}, XXXX to my husband account on XXXX and it stated it was processing. On Monday XXXX, I attempted to log into my account and was not able to access it. I called ally cust service department and was informed I had to speak with someone in the Loss Prevention Department. I was transferred and finally after 30 minute of holding, Ispoke with a " XXXX ''. XXXX was very rude, condescending & unprofessional from the beginning of the conversation. He advised me that I was the one in Fraud and i needed to listen to him, I advised him that my dad don't even talk to me like that and he stated " he should have told me to listen '' I asked if I could speak with someone else. He put me back in the call que and I waited for another 30 min, got a young lady named XXXX, she put me on hold for 15 minutes and phone hung up. I called back and held on for 30 more minute and XXXX came on the line. I explained to her situation and she advised me that my account has been frozen for fraud, i asked her why no one had reached out to me about it. she stated that I would need to provide where i got money from, she send me a email to upload it on. I uploaded document. I called back to see if they received it and i was told it was in review. I have called and called ALLY to see when my my money would be available to me and they will not give me an answer. I was told if i called back before investigation was over, it would loo suspicious. I had other monies in this account and i cant access it as well. At this point, I don't know if my money is in the account. They have failed to communicate with me via phone or email to let me know my account was in suspicion nor have they treated me with professionalism. I was told from one rep because of the newest trend of hacking and because I have never had that amount of money put in my account, that's why its it could be fraud. I understand if thy have to ensure it not fraud due to govt regulation.. But 1. I called and advised of the transfer & inquired about the steps and procedures before wire 2.Why no one called me if they thought it was suspicious activity on my account, like most banks do. 3. Why are they not allowing me to access my other money that was already in account before the wire came through. XXXX. I have provided them proper documentation for the wire, why I still have no access to my money or even can see my money. XXXX. Why I can't get a day when my funds should be available. XXXX a supervisor or a XXXX haven't contacted me concerning anything about my complaint/issues or my continued effort to get this resolved. XXXX. Why have i been treated like a criminal when all i did was sale a home and got the proceeds sent to my account i have with them. I transfer XXXX to XXXX a month via my direct deposit from my employer and this has never happened to me. XXXX want to get my funds and close this account asap I have attached all forms given to them to show money is my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Initial error is mine. Neighbor A asked me to pass money to Neighbor B using XXXX service. The effort failed. Neighboe A asks to XXXX me {$1500.00}. XXXX XXXX publishes that they accept XXXX ( but that is not true ). I appove and recv {$1500.00} on XXXX and can not access it. I have a dormant Ally Bank account and send the money there. Problem is- we actually have two Ally accounts but one is forgotten entirely. I am now in control of the {$1500.00}. I go to XXXX and send the money to Neighbor B, funded by the forgotten Ally account. The available balance is XXXX, but Neighbor B recvs the {$1500.00}. It looks like this task is behind me. It is not. XXXX sent the {$1500.00} in violation the agreement between XXXX and me. Their incompetence and/or criminal negligence has no direct bearing here other than the fact that I now owe XXXX {$1500.00}. At this exact moment, I do not recall how the {$1500.00} debit in my wife 's account was created. It is part of this. The situation is- we also have a {$1500.00} debit to Ally. Somehow, the act of passing {$1500.00} from my right hand to my left hand cost me {$1500.00}. Ally Bank refuses to look at two accounts concurrently. Ally Bank does not provide a mechanism to help resolve this matter. Instead, Ally Bank is sending threatening letters to my wife. Ally Bank treats us like criminals on the phone. I know the whole " this call is recorded '' routine is just so much XXXX, but listen to the calls I made. I am begging Ally to assist and there is nothing in the cashier 's script that results in an actual thought process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car loan was paid off in XXXX of 2021, Ally is still reporting my account is past due because there are some late fees owed. My loan with them is paid off, I have no monthly payment amount that is due with them anymore. The late fees are owed so I can get my title. The money I borrowed was pad back in full. Late fees can not be considered past due because they are not part of my monthly payment. There is no due date for late fees and no specific amount to be paid monthly. Late fees can not be considered 30 days late if there is no due date for them. I am requesting a full statement on all late fees incurred for each month Ally is saying late fees are owed. I am requesting any late payments reported due to late fees owed to be removed from my credit report promptly. You can not report late fees 30 days late once loan is paid off, these are fees to be paid to get the title for the vehicle used as collateral for loan. I have a letter from Ally showing XXXX balance for financed amount owed and the letter says the late fee amount is to be paid in one payment. I did not have the amount owed for late fees at time due to covid 19 and job and income issues. The letter from Ally does not list a monthly payment amount or due date for the late fees. The letter states " it is necessary to clear these charges to avoid further delay to process title ''. Again no due date or monthly payment amount is listed so how can a payment be considered 30 days late with no due date listed. I called Ally on XXXX and XXXX and spent hours on the phone to get issued resolved and kept getting transferred from one person to the next and no one took the time to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Overdraft, savings, or rewards features
Subissue:
Consumer Complaint: Ally bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have taken my Electronic transfer SAVING ACCOUNTS and Checking accounts and along with all the funds that I have earned XX/XX/XXXX XX/XX/XXXX My investments accounts are now in jeopardy because of this incident. Which is a managing problems not a consumer situation. hopefully this will come to an end and everything will go back to normal, can't even access my normal savings account under this diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A