Date Received: 2022-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have two car dealerships that were not authorized to run my credit, I have the letters from the car dealerships and sent them to ALLY financial, I have heard nothing from them and every time I try to send a letter it gets returned. XXXX AND XXXX did not have authorization to run my credit through ALLY financial, ALLY Financial needs to delete ALL hard inquiries off my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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: XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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: XXXX XXXX ran my credit several times, they were not authorized to do this, they have even admitted in the letter I have proof they were not allowed. XXXX XXXX has refused to take it off my credit report. This is absolutely ridiculous and against the consumer protection, I have wrote them with no other response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On or about XX/XX/XXXX XXXX XXXX initiated a consumer credit transaction with this COMPANY. The COMPANY took a wet, blue ink signature on the agreement and sent the consumer a copy via email. When I reviewed the copy I noticed that the signature was completely and visibly altered. I signed the name in a very specific way, adding the words " w/out recourse. '' That signature acts as an acceptance on my part under certain conditions. The COMPANY accepted the agreement and then altered the agreement which is completely illegal. There is also no 2nd party signature anywhere on the document. Also, Please note also that I was never provided with any notices of my right to rescind per TILA regulations. On XXXX XXXX XXXX XXXX notified company that he wished to invoke his right to rescind his signature entirely on application number XXXX and the loan agreement and mailed in a Notice of rescission via certified mail number XXXX XXXX XXXX XXXX XXXX. No response was ever received by the COMPANY. I have since sent a Demand for Validation and Proof of Claim and asking for an explanation as to the alteration of my signature and also why my Notice of recession was dishonored and ignored. That letter was sent via certified mail number XXXX XXXX XXXX XXXX XXXX. Once again, no response. That Notice was sent a 2nd time today on XXXX via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX and this time was sent to the Corporate office intended for the XXXX XXXX XXXX. The Notice Contains it's own Self Executing Contract should the COMPANY wish to continue to illegally report this information to the consumer reporting agencies. For the reasons stated above the account should 100 % be closed but if not I am also demanding validation of the debt pursuant to 15 U.S.C. 1692g. The law is clear and the company officials know what is meant by truly validating a debt and providing Proof of Claim. The docs were to large to attach to this file but I am happy to provide them to whoever requests a copy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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 Sec 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 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: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: inquiries from buying a car XXXX inquiries on my credit report that did not drop off in 30 days some of the reporting said that the inquiries would not be on my report because it was a soft pull 1. ALLY FINANCIAL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally financial Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dispute with Ally bank XX/XX/XXXX : I got emails saying that my debit card was added to a digital wallet. I immediately opened the bank app and I saw 4 withdrawals of {$500.00} each made from XXXX XXXX. At the time I was in XXXX XXXX, XXXX. The transactions were marked Pending I immediately called the bank. Told them that these XXXX transactions were not made by me. They said that they will cancel the transactions, deactivate my debit card and send me a new card. The pending transactions disappeared from my account. XX/XX/XXXX : I came back to XXXX, saw that I received the new card and did not activate it. I opened the Ally bank app and saw that the XXXX transactions that were canceled on XX/XX/XXXX came back on XX/XX/XXXX and this time they were not pending. The money was withdrawn from my account I called the bank again. They said I can file a dispute. I filed a dispute. A few weeks later they put credit in my account of 4 times {$500.00}. The value of the missing money XX/XX/XXXX : I was checking the Ally bank App and I saw that the money was taken out again. XXXX transactions of {$500.00} each I called again. They told me that the dispute team came back and decided that the transactions were legitimate because they presented the physical card. This is impossible because at the time of the transaction I was out of the country with my card in my possession. I made an ATM withdrawal using the card in XXXX XXXX a few days earlier ( XX/XX/XXXX ). I was in XXXX from XX/XX/XXXX to XX/XX/XXXX. I have screenshots of all the material. My airplane ticket, my passport stamps. Screenshots of the transaction i made in XXXX which show that i had the card on me. I have not been to XXXX XXXX in years. I tried to cancel these fraudulent transactions immediately as they happened but Ally made mistakes. They allowed them to execute 2 weeks later on a deactivated card. And their investigation came to the wrong results. No one could have presented my physical card in XXXX XXXX since i had it on me thousands of miles away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This hard inquire on my credit report are not mine and need to be taken off of my report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A