Date Received: 2022-05-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I got a phone call on XXXX from a number I didn't recognize, so I ignored the call because I was at work. About XXXX mins later my wife called me saying that shat had gotten a call saying I was going to be sued for a debt from XXXX. She confirmed that the number that I received a call from was the same number she received a call from. So I called and spoke to a guy saying I was getting sued and that I did not answer repeated request from his company to talk about a debt and they were trying to garnish my wages. He never told me the name of his company but I told him I didn't remember receiving any paperwork. He said maybe it got lost in the mail and that it happens more than I would think. His words, not mine. So he was supposed to send me whatever paperwork I was supposed to have received by the end of the day. I never received it so I called the next day and talked to him. He told me that he sent the paperwork in as I disputed the claim and wanted to go to court. Once again I still haven't gotten the name of his company nor did I give him permission to make a choice on how I was going move forward with whatever was being alleged. He then told me I owed like XXXX for towing fees in XXXX I told him I turned a car in to XXXX back then but if I remember right they did garnish my wages already. He then said it wasn't about the car it was for the towing and it was in the fine print. Noone ever told anything about that. And me being a first time buyer at the time. I thought I was legally able to assume that everything was ok when I signed the contract. He said I was being sued because I was ducking the company. I've lived in the same area, worked the same job for the last XXXX plus years. I'm not ducking anything. Like I told him I have chronic medical conditions I deal with daily, so something from XXXX isnt something I think about especially after XXXX years. I called again and requested the info via voicemail and I still haven't received anything and they have seemingly cut off all communication
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have disputed the Ally bank info @ least once on all 3 reporting companies and obviously they all get the same info from Ally.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, XXXX XX/XX/XXXX. However now Ally has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off 2mos ago. I was told by XXXX mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as Ally bank is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX XXXX in XXXX, Ohio did not provide me with a Notice of Rescission. Upon being informed with the 3 years after still not receiving such documents within the consumer credit transaction I have reached out to demand the Notice of Rescission to be given to me. I was informed by a sales manager that the state of Ohio does not honor the right to rescind. I have also researched the Ohio Attorney Generals Laws pertaining to Rescission and now informed that my title was supposed to be given to me within 40 days and was not. The phone call was recorded for quality assurance and I asked if Title 12 of CFR was in respect to my request and was denied of this. I believe this would be 15 USC 1611 knowing and willing violating my consumer credit laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally is reporting inaccurately on my consumer reports and has been for over 3 years by listing and alleging that they gave me a loan when in fact they did no such thing concerning the XXXX XXXX XXXX that me and my dad had purchased directly from the dealer on our consumer credit as even shown on the retail installment we had the choice to buy the car on cash or on credit and by us signing it we chose to buy it on credit so not only have they been reporting the account inaccurately but by also reporting late payments when in fact I have recently discovered that the contract itself is a negotiable instrument, promissory note, financial asset that I now have reason to believe and do so believe played a part in tendering payment to settle the debt as I alleged would be seen if I were to invoke my right as a consumer and request documentary evidence which included both the private journal and ledger from the date of conception of this account it would be shown how the contract itself holds actual cash value and would be seen on the credit side which I was never given full disclosure of throughout this whole consumer credit Transaction that the journal book keeping entries would show that no allege debt that ally is or have ever stated that I allegedly owe would not out weigh the credit side of the journal. and as also seen on the CFPBs website the difference between a retail installment and a loan is, " A loan is a transaction between you and a bank or other lender for money, where you use the money to purchase a vehicle and agree to repay the loan balance plus interest. A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest. A dealer could sell the retail installment sales contract to a lender or other party. '' I never used no money from Ally to purchase the XXXX XXXX XXXX Ally instead obtained the contract by purchasing it and therefore never loaned me anything this inaccurate reporting has affected me the consumer in many ways such as tarnishing my reputation and defaming my character and has discouraged me the consumer and brought many actual damages upon me such as but not limited to mental anguish and emotional distress. I am also disappointed at XXXX and XXXX for also not be in compliance with the FCRA for they never had my direct consent and or instructions to furnish any information on me which is needed in the permissible purposes section of the FCRA which is a breach of my privacy. For as even seen in the congressional findings They are held to a standard of reporting accurately and charged with adopting reasonable procedures for meeting the needs of commerce and information in a manner which is fair and equitable to me the consumer with regard to confidentiality, accuracy and relevancy. By them reporting inaccurate information such as the account type that is a violation of reporting accurately, by them reporting anything that is late without my written instructions as needed in the permissible purpose section this is a violation of confidentiality and thats neither fair nor equitable to me in no way shape or form and even if I did obtain a loan them reporting any transactions and or experiences between me and the person making the report in this case would be Ally would be another violation for such reports are exclusions of a consumer report in the FCRA itself I XXXX XXXX XXXX made affirm that I made this complaint solely by myself without any guidance or assistance and I affirm to everything that I say is true honest and correct not intending to mislead or defraud in any way I do so to the best of my knowledge and beliefs so be it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
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 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I called Ally on XX/XX/XXXX regarding the late charges of XXXX on my account due to the last car payment was made on XX/XX/XXXX. I advised that I wanted to see if the late fees could be reduced somehow due to COVID issues. The customer care professional advised that my loan was PAID IN FULL and I would recv my title in the next 10 days. After not recv my title I contacted ALLY and advised that I had not recv my title. XXXX advised that there still showed an existing balance. I advised XXXX that the customer care advise that this account was paid in full and he said that give him 3 days to provide feedback after the call was reviewed. The call was reviewed and confirmed that the customer care person advised that this account was PAID IN FULL XXXX advised that the account we be sent over to the complaints due to this issue. XXXX SUPERVISOR called back and advised that he would need to send to manager because he did not have the ability to waive that much in late fees. Manager never called me back. XXXX from the charge-off department called on XX/XX/XXXX and advised that there is no notes at all to reference any of the above calls and she has no idea about the above. XXXX escalated to XXXX the supervisor and he advised that he could not access the system with the notes and the best he could do was provide 15 % off the late fees. I advised that I would escalate this issue to CFPB and the XXXX I have been getting the run around and no one taking accountability for the inaccurate information that was provided by ALLY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: This company illegally committed adverse action against me without offering alternative accommodations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dated on XX/XX/2022 via Consumer Financial Protection Bureau ( CFPB ) complaint ID : XXXX Ally stated Ally Bank ( Ally ) had a permissible purpose to access your credit file in connection with evaluating credit transactions involving you. I, XXXX XXXX, Consumer, strongly disagree. Since Ally admitted such, now what Im going to need for Ally to do is ( 1 ) I demand Ally to provide me with Documentary evidence in regards of everything Ally stated mentioned above and ( 2 ) If Ally fails to do such, that will validate that what your stating is just heresy and will not be sufficient in Federal Court if we had to. Ally are you aware of transferring another person information without consent is a violation of 18 U.S. Code 1028A - Aggravated identity theft? And that Ally can be sentenced to a term of imprisonment of 2 years. Are you aware that Ally? As long as that is fine with you, its fine with me Ally. As you stated Ally Bank ( Ally ) had a permissible purpose to access your credit file now Im demanding that you prove to me with what lawful authority Ally had permissible purpose to have access to my credit file, transfer my information without any of my consent. Ally YOU stated this, So Im holding that to be your truth, these are your words, not mine Ally. I XXXX XXXX, Consumer, encourages Ally to read 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information. Again, as long as Ally are aware of their actions and fine with it, its fine with me and all actions necessarily will be taken. Failure to comply with requirements mentioned above will result in fines. Thank you, and best wishes Ally!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For the last several years, I have been able to transfer my funds from Ally to my other banking institutions relatively quickly. About a month ago, I attempted to send money from Ally to another bank using XXXX. XXXX has always been an instant transfer. After I set up the transfer, I received a notification that it would take 3-4 days. I called to find out why and was given a lot of conflicting and confusing information. I asked to speak to a supervisor and still was not able to find out why. I sent an email to their executive office and received phone messages from someone named XXXX. When I left messages at the number he left, he never returned my calls. After over a week I received an email letter saying that because I had an automatic transfer from a credit union refused, they were punishing me by making it harder to access my own funds. The reason the auto-transfer was refused was that I had closed the account with the credit union . I had canceled the auto-transfer on Ally 's site but they attempted to take the money out anyway and later punished me for their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing in regard to my account which was with Ally Financial account # XXXX based on my knowledge and the letter I have from Ally it is a paid off account never having settled this account yet on my credit profile it reports settled for less than full amount. I sent Ally a request for payment history to back the claims but have been ignored therefore I am making the request via the CFPB in the hopes of getting a breakdown of my account and the payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A