Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My payment due date on this vehicle purchased through Ally Auto XXXX was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Identity theft on XXXX, XXXX XXXX accounts and tried to use stole credit XXXX issued toe from XXXX XXXXf XXXX XXXX And all other types of illegal crimes and the police are involved as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have a loan with ally bank I had not received any statements for well over XXXX months so I entered a formal billing dispute and withheld payment following ucc and cfr laws I also notified a them and they say they never received my correspondence nor the remittance coupon for the remainder amount of XXXX. They didn't respond to either so following the law I had also notified them per ucc the no adverse action could be taken until the issue was resolved and since the check wasn't returned I waited in good faith believing they had accepted the check for value being that it wasn't returned nor was any notification sent to me about repossession. They did take the car and now say it's my fault. So so far I have filed a police report. And would like my property returned because the did receive my certified letter and were given the allotted time. But as far as I'm concerned I still have no resolution for my billing dispute and I followed the law. Yet they are in dishonor and the alloted time expired so according to law the balance should go to XXXX. But they say the laws don't pertain to them and went ahead with adverse action of repossession. And I would like my property back. I sent certified mail to ally with the formal billing dispute on XX/XX/2022 they received that and the XX/XX/XXXX and XXXX. And I claimed the remit coupon and was made out for the balance remaining. And received nothing and so as the law states I believed in good faith they accepted it since it wasn't returned or no statement to the contrary
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have requested to close the account since there are money sitting in the account and I can not make any transfers between my banks. The whole process is already been more than a week and the account still hasn't been closed yet. Every time when I called, I was told 1-2 business days. I need to get my funds back ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
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: On XX/XX/XXXX I paid my XX/XX/XXXX payment XXXX submitted my payment through Aly Financials third party company. I was reported as being thirty days late. I also have a copy of the receipt. The payment posted as XX/XX/XXXX not the XX/XX/XXXX causing 30 late reporting.I have made several online payments in the same manner and was not reported 30days late. I made a requested on the phone XX/XX/XXXX or XXXX and a written request w a copy the receipt. The reporting is not correct I was 29 days late but not 30. The company states i made the payment on the XXXX and posted on the XXXX. They are not reporting online payments that way if paid within 29 days.. .. Thanks for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recieved a notification of some inquires that i did not recognize or authorize that appeared on the credit bureau 's. I've tried to have them removed but but have gotten no where. On XXXX, in XX/XX/2022 and 2 companies called Ally Financial XXXX XXXX XXXX XXXX XXXX both submitted an inquiry that i did not authorize and am trying to get it removed asap because it's affecting my credit scores. Also I believe same company pulled an inquiry on my XXXX, XXXX XXXX XXXX XXXX for XXXX on XXXX, XXXX, 2022. Also on same date on XXXX, these same companies and some additional ones pulled inquires, XXXX XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, & XXXX XXXX all pulled on XX/XX/2022. I personally did Not autherize any of these inquires, please help. I've done all that i can do, thanks in advance for your help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I paid my auto loan off in full in XX/XX/XXXX. After all the payments went through I received an email from the company saying that the loan was paid off and the title would be sent to me. I got the title and a letter from the company dated XX/XX/XXXX stating that the loan had been paid off. There is a signature on the title showing Release of Lien from Ally Financial dated XX/XX/XXXX. I logged into my account XXXX last time at the beginning of XXXX to confirm that my balance was showing XXXX, which it was. Starting on XX/XX/XXXX I started getting calls from Ally saying that my account was now overdue. I also got a letter in the mail from them asking for payment on XX/XX/XXXX. Other than my title in XXXX, I got no other letters, emails, texts, or phone calls from Ally in regards to my Auto loan. On Monday XX/XX/XXXX I called and was transferred around several times before finally speaking to someone who said that my loan was indeed paid off and that it would be marked as completed, I would not be bothered by collections any more. I am still getting phone calls saying that my account is overdue and demanding payment, all recorded with no option to speak to an agent. When I try to call their customer support and speak to person I am transferred around and eventually hung up on without resolution to my problem. I am now extremely concerned that not only will my credit score be affected by them claiming I have a late payment ( even though my credit report shows the loan closed ) but that I will have to deal with the company trying to repossess my car, even though it is paid off in full and I have the title. I can not get anyone at the company to give me a straight answer and am sick of being hung up on without ever getting any sort of resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 881XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called the company & they could not give me any information. XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank uses misleading language regarding wires on their website to avoid committing to sending same day wires. They say that wires need to be " reviewed '' by XXXX to be sent same day instead of " received. '' There is no other guidance on when to send in your wire to get it out same day, so the implication is that XXXX is the cutoff to request a wire. You don't know that your wire won't be sent until it doesn't go through. They do this, so they don't have to acknowledge that they don't send same day wires. It might not be fraud, but its intentionally vague. I'm sure many people have had issues with large our payments due to this language, for example home purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ally auto financing I have a car loan through in XXXX after the covid 19 pandemic hit. I had lost my job. I had some late payments due to unemployment. Prior to the pandemic and after all my payments were made on time through auto pay. I've disputed these late payments with ally auto 3 times to have them remove it from my credit report since XX/XX/XXXX and they have not done so. It's heavily affected my credit score. I was re employed after about 5 months to the same company I worked for. Please look at my good standing account prior and after to the XXXX covid XXXX pandemic. Please have this removed. This should've been taken seriously and removed and or not reported to the credit bureaus. Please help me I have not noted the 3rd dispute reference number XX/XX/XXXX ref # XXXX XX/XX/XXXX ref # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A