Date Received: 2022-04-23
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: I received a settlement with this company. I paid in full. The company deleted me from thier system and did not give a title for my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My vehicle was repossessed in XX/XX/XXXX when I was advised a few days prior to make a payment to keep my account in good standings and I did that. They then repossessed it on a Friday but we picked it back up on a Tuesday morning. I contacted them to pull the recorded phone call in which they declined to do. Its caused an impact to my credit score in which I can not obtain credits or even trade the vehicle in. Ive been unable to work at times due to the vehicle being in the shop such as XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & now again XX/XX/XXXX. Advised this to the financing company even reached out to a lawyer for lemon law to discuss since this vehicle has so many engine issues and if I dont work I dont get paid. They wont help me at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have inquiries on my credit report and I dont have the card or object. Its a lot of inquiry auto loans on my credit report that I didnt make and I dont have a car that match these inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my Ally car loan on XX/XX/XXXX. My next statement in XXXX would have shown XXXX balance so credit report should also reflect XXXX balance but it does not
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I added my husband to my Ally checking which I opened in XXXXaccount around XX/XX/XXXX at which time we completed all required forms online, submitted scanned signature cards, and requested for a debit card for him and new checks with both our names. On XXXX my husband started new job, we contacted bank to confirm he was added to account as we had not received confirmation it had been completed so he could set up direct deposit with new employer to Ally. Ally confirmed he was on the account and we received confirmation the following day although we were told maximum time would be 2 days to add him. He also inquired about the status of his debit card and was told it was on order and to expect the card within 10 business days. XX/XX/XXXX my husband contacted customer service, advised them we received new checks but card still had not arrived. He was told to give it a few more days as it had not been 10 business days since he spoke with customer service on XXXX when it was ordered, although we had elected this option mid XXXX. XX/XX/XXXX my husband called customer service again was told ro give it a the card a couple more days to arrive as postal service was experiencing delays. XX/XX/XXXX my husband called customer service advising he still had not received card, they advised it must have been lost in mail and they re-ordered new card and was canceling orginal card and expediting and would be here via XXXX within 4 business days. XXXX my husband called customer service advising he had not the received card, was told card was made but not shipped for some reason and another expedited card was being shipped. XXXX my husband called customer service was told again card had been made but not shipped and another card would be expedited. XX/XX/XXXX my husband went out of town on business for 3 days, gave him my debit card XXXX proceeded to set up XXXX XXXX on my phone with my debit card information in case I needed to access funds while he was away. I was advised by XXXX XXXX that I needed to contact bank as they could not verify my account. Starting at XXXX XXXX I tried calling customer service from my cell number and kept getting routed to Ally Auto financing ( I do not have a loan in my name but my husband does ) and if I tried to get to banking my only option was to open an account. Using the chat function, I contacted customer service where it took approximately 20 minutes to get an agent and get a response and kept getting transferred from one agent to another. It was not till XXXX pm did I get an agent to respond that she couldn't do the verification but would need to call customer service and request to talk to their technical department. I explained the situation with phone, she stayed connected to chat and eventually after calling 8 times, getting 3 different voice prompts when I called, she told me to select open an account and tell the agent the issue. Once I got someone on the phone ( about 10 minutes ), I was transferred to technically support where I waited another XXXX minutes. At this point it was around XXXX pm and was told that " some '' customers were experiencing similar issues when calling customer service and it had been reported but no ETA on the fix. I also also told that Ally had a software upgrade at least a week prior and third party wallets such as XXXX XXXX and XXXX XXXX were not working and there was no ETA on that fix either. I reached back to the agent on chat and advised her what I had been told and she had no idea there were any system issues and thanked me for letting her know. As of XX/XX/XXXX XXXX XXXX is still unable to verify my account. XX/XX/XXXX when my husband called customer service and asked for a supervisor as he still had not received a debit card, promised it would be sent, that it was not generating a card, but assures us it would be shipped and offered to send tracking which we never received. XX/XX/XXXX My husband contacted customer service, the agent informed him it had shipped but couldn't provide tracking and which time he requested a supervisor again. Supervisor advised that no card had ever been ordered or shipped and he was expediting another card and assured him it would go out and that Ally had experienced a security breach but did not believe this was a result of this breach but due to technical issues with new vendor and the ordering process. My husband advised him he didn't know who to believe and was very angry about all the lies. He asked for his supervisor and was told he would put in the request to have them contact him in the next XXXX business days. At this time he put me on the phone with the agent and I advised I would notifying proper authorities as well as the local XXXX XXXX to investigate what was going on. Again, we've been told another card has been ordered and the fastest they can expedite is XXXX business days. When I opened my account in XXXX, XXXX I had to call and request a card 2 times before I got one as well and given similar run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
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: In XXXX of XXXX my car was totaled. The person who hit my vehicles insurance paid off the remaining loan balance. Ally financial, however, after receiving this payoff instead of closing my acct reported me to the credit bureaus as late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called XX/XX/XXXXto have this inaccuracy removed. I was told if I didnt hear back in 45 days it would be removed. I never heard back so I assumed this was removed. I recently applied for a mortgage and this was still present. I called Ally again on XX/XX/XXXX, and was told they would need to resubmit a claim. My wife then called on XX/XX/XXXX and asked for an update and asked if this could be expedited as we are trying to purchase a home and this is hindering our ability. The agent on the phone said the claim submitted on XX/XX/XXXX had no information attached to it so it would automatically be denied. This agent then filed a new claim with all updated information and she was told they would try and expedite this matter. My wife then called today XX/XX/XXXX and was pushed to 2 different departments and no one was able to help. This should have been cleared years ago when they were paid and again last year when I filed a claim however this is still present and actively affecting my familys ability to buy a home. Every day that goes by with this unresolved is another day of rising interest rates and lost opportunities on homes. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed multiple hard inquiries on my credit report from the specific date of XX/XX/22. I did not authorize any of these hard inquiries, nor do I hold an account with any of these companies. My credit score dropped XXXX points because of this. Not acceptable! I have already tried calling each company listed from XX/XX/22 individually to investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I did a refinance on a car in XXXX with another institution. I changed my mind and decided to stay with ally. The institution returned the title but ally never returned the money. I then traded the car in and it was paid off again but my account still says open and past due for a car thats been paid off twice. Ally admitted to receiving the checks and title. Im uploading a copy of my account number and pay off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The bank Ally that holds the lease on my vehicle agreed to remove the late payments that happened while I was XXXX XXXX XXXX They did remove the late payments but shortly after they put the late payments back on, as soon as I was able I payed the payments in full and have been current ever since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98516
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I DID NOT AUTHORIZE THIS COMPANY TO UTILIZE MY CREDIT REPORTS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A