Date Received: 2022-04-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2022, I received a bill from Ally Auto Financial stating that I owe {$630.00}. When I receive a bill I normally remit the coupon and send it back but also when I look at my contract I notice there's no relationship between me and Ally. The contract is between XXXX and Ally. After I remit the bill and send it back to Ally the refused to accept the remittance coupon unless they are made in certified funds such as a cashier 's check, money order or payment through a third party such as XXXX XXXX or money gram. I sent a Conditional Acceptance stating the laws on what are certified funds according to XXXX XXXX. They restricted my account & marked it as fraud. According to the laws when they refuse the remittance coupon that is considered a discharge to the extent of the mount of the tender of the obligation. I received notice on my Credit Report that there are 2 late payments. Which I never gave them permission to report my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I filed an SEC complaint against ALLY Invest about a week ago due to refusing to sell investments in a timely manner. Then on XX/XX/22, I tired to withdraw the money from my Ally Bank account only to find it blocked. I called Ally Bank to find out why. They would not say. Instead Ally Bank directed me to their fraud department. I was made to verity myself and then placed on hold. The fraud department came back and said they did not believe I was the owner of the bank account. I was mad. All my savings is with Ally. If my account stays closed, how will I pay my bills? My paycheck goes to ALLY Bank. I can't get any money out an ATM because my account is locked. I would need to send in more information about myself before my account would be opened again. I sent information on XX/XX/22. I called today on XX/XX/22 and ask for the status of the account closure. Ally fraud department still will not say anything. I was told there is no set end time for the fraud investigation. I am not understanding any of this. How can a bank just take a person money without warring? I have bills to pay. There has been no fraud on my account in the XXXX years I have held this account. No one at ALLY Bank has ever asked for more information about my ID. Can someone help me? If this does not get resolved soon, I will have to sell something to pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I file a Dispute in regards to the incorrect items on my credit report it is well over 30 days and I have not received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX XXXX, a collection agency contacted me about a debt I originally owed to Ally Financial in XXXX of XXXX. XXXX stated they were employed by Ally Financial to collect the debt, and they NEVER stated they were actually a collection agency. I had already had in my possession a letter from Ally for the original amount for debt, which was XXXX, XXXX. I believed this company, as they stated the amount, and sent a letter with the amount, along with contact information ( which I just recently found out, this information was false ). I have been paying this company {$75.00}, since XXXX of XXXX. XXXX just recently stop sending correspondence in the mail, with the adjusted amount balance, and when I called the company to request to speak with the person who's name has been on all of the letters I have received ( XXXX XXXX XXXX ), the person I spoke with, ( he would not provide his name ) stated the person was not there. I asked to be transferred to her Voicemail, he stated he stated there was no one there by that name. I asked why have I still been receiving correspondences in the mail with her name on it. He hung up the phone. I tried calling again, and a woman answered the phone, when I questioned her, she stated she couldn't transfer me to anyone, she stated she couldn't provide me with any information, and that she was working remotely. I called my Bank to stop payment for this company, and they opened a fraud case. The bank stated XXXX noted in the memo section of the withdrawals they have been receiving since XX/XX/2021, that I gave them permission to withdraw the amount of {$75.00} on the XXXX of every month on behalf of Ally Financial, and that they were paying Ally Financial this amount on the debt. Clearly, this company has violated so many laws, including the CFPB, FDCPA, and personal violations. They have lied, falsified information, collected on a debt that was forgiven ( also, I just received a tax document in the mail from the original creditor, Ally Financial, stating my debt was forgiven ), provided lack of information on collection of debt, did not identify themselves as a collection agency, and they purchased the account from Ally Financial, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Auto. In the beginning I had problems with calls about other clients because their last name was like mine XXXX. It hot so bad the gentleman got mad because of the questions I was asking because I felt they were cheating me and there has to be an American and Foreign company. I get calls about stuff anyone that can bring up my account should see. I was even told that I had 2 accounts. When I argued that, the next morning my car was repossessed and it cost me over {$3000.00} to get it muddy..items..money stolen..flat tire. There was {$400.00} plus dollars applied to my account towards interest because the didn't expect it. Well I didn't send it. Then it was from a claim against Ally payout. Lie..now my bank account is being over drawn because they told me in XXXX that my Catchup Plan was canceled because the payment of {$630.00} was returned. I called rep told me that the payment was taken in XXXX because there wasn't enough time between XX/XX/XXXX to XXXXXXXX XXXXto stop the withdrawal..Lie. For the last 3 months they have been overdrafting my account... calling me. I caed back for XXXXonce I started telling XXXX what was going on he hung up on me. No call back yet. If you look on their Messenger page I have sent multiple messages, all they say we passed it on. Yesterday a female from the Foreign company called asking me for {$900.00} I let her have it. At 1st it was {$1500.00} .I paid {$500.00} on XX/XX/XXXX after they took {$630.00} on XXXX XXXXthen they turned around and took another {$630.00} on XX/XX/XXXX. I'm a 100 % XXXX, unemployable retired XXXX veteran. I only get what the government sends me. Ally has no integrity. Those employed lie on both ends. I have the full name, extention, date and time she told me there wasn't enough time to stop the withdrawal for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I do not like that Ally Financial gave my info to the 3 credit bureaus without my consent. then XXXX XXXX shared my info on the credit bureaus. All of the credit bureaus show that I am very responsible by my credit scores Also on my credit score, it states that the account with Ally Financial was closed, in XXXX of XXXX when in actual the repoed vehicle was auctioned off for {$9500.00} and they could have auctioned it off for much more. Instead they decide to sell it in auction and sell the balance to XXXX XXXX and situations are very suspect. I Just received a 1099c from Ally Financial stating that my balance owed is {$1700.00} dollars even though it is stated on my credit score on XXXX XXXX that the remaining balance is $ XXXX. I called and spoke to a rep. name XXXX XXXX and informed her that the balance on the 1099c has the amount of {$1700.00} and asked what amount she seen on the file there. She stated that the amount on file is at {$11000.00}. I asked her how can my XXXX XXXX beareau amount state {$11000.00} and her file states the same amount, but I received a different amount on the 1099c form? The rep. of XXXX XXXX states to me that she doesn't know anything concerning a 1099c being sent to me. I believe I am being given untrue info to lure me into paying the untrue balance on the 1099c form, then only {$1700.00}. would be taken off the said balance on the charge off amount, and once I start making a payment I will be liable of the remaining balance. I have informed XXXX XXXX that it states on my XXXX XXXX credit score that the account was closed in XXXX of XXXX even tho the vehicle was sold at a auction years earlier. There are 3 credit bureaus and only XXXX XXXX has the charge off listed on it. My rights were violated by XXXX XXXX. Ally Financial has not reported anything and my credit scores are very high and excellent on all 3 bureaus. I feel since there are two amounts stated that I am being lied to along with the credit bureau being lied to. Never was I offered to to pay the {$1700.00} and the account balance at XXXX XXXX would be deleted and closed, so I truly know that is leading false info for me the start payments by falsehoods in writing on a misleading 1099c form which the rep. told me she has no knowledge of. Since lies are being told on two different sources, that the account should be deleted. XXXX XXXX is also sending the balances only to me and on the XXXX XXXX bureau charge off page, it states that the balance is a joint responsibility. My niece XXXX XXXX allowed the vehicle to be repoed and I gave the needed info to collect the vehicle from her job. There was no tracker on the car, and Ally Financial did not have any knowledge of where my niece lived or worked, so I made it possible for the car to be collected back to Ally Financial. I have called Ally XXXX XXXX and received no answer. My phone number has been blocked. I called XXXX XXXX of XXXX XXXX after receiving the 1099c to let him know that the balance amount on XXXX XXXX bureau is the same amount of {$11000.00}, but yet on the 1099c it states only {$1700.00} but received no answer. I feel to many lies are being sent to me in writing. but no phone calls are being answer. Also why is the 1099c sent from Ally Financial, when it is stated on my XXXX XXXX bureau file that the account was closed in XX/XX/XXXX of XXXX and now I and looking at the amount due and it states XXXX so the amount of going up, supposibile by Ally Financail when my niece stopped paying on XXXX of XXXX and they auctioned off the car soon after. so why was the account closed in XXXX of XXXX and why is the envelope from the 1099c from Ally Financial if it was charged off by XXXX XXXX. Info is on my XXXX XXXX Bureau. but yet my scores are XXXX with XXXX and XXXX with XXXX and it is stating that I am approved of a car loan if wanted. Info from charge off is very suspicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/21 Ally financial was found guilty in lawsuit which cleared out loan in question due to a repossession. XXXX is illegally trying to collect on a debt which was apart of a lawsuit Please stop contacting me on this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45385
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I do not like that Ally Financial gave my info to the 3 credit bureaus without my consent. then XXXX XXXX shared my info on the credit bureaus. All of the credit bureaus show that I am very responsible by my credit scores Also on my credit score, it states that the account with Ally Financial was closed, in XXXX of XXXX when in actual the repoed vehicle was auctioned off for {$9500.00} and they could have auctioned it off for much more. Instead they decide to sell it in auction and sell the balance to XXXX XXXX and situations are very suspect. I Just received a 1099c from Ally Financial stating that my balance owed is {$1700.00} dollars even though it is stated on my credit score on XXXX XXXX that the remaining balance is $ XXXX. I called and spoke to a rep. name XXXX XXXX and informed her that the balance on the 1099c has the amount of {$1700.00} and asked what amount she seen on the file there. She stated that the amount on file is at {$11000.00}. I asked her how can my XXXX XXXX beareau amount state {$11000.00} and her file states the same amount, but I received a different amount on the XXXX form? The XXXX of XXXX XXXX XXXX to me that she doesn't know anything concerning a XXXX being sent to me. I believe I am being given untrue info to lure me into paying the untrue balance on the XXXX form, then only {$1700.00}. would be taken off the said balance on the charge off amount, and once I start making a payment I will be liable of the remaining balance. I have informed XXXX XXXX that it states on my credit XXXX XXXX XXXX that the account was closed in XXXX of XXXX even tho the vehicle was sold at a auction years earlier. There are XXXX credit bureaus and only credit Karma has the charge off listed on it. My rights were violated by XXXX XXXX. Ally Financial has not reported anything and my credit scores are very high and excellent on all 3 bureaus. I feel since there are two amounts stated that I am being lied to along with the credit bureau being lied to. Never was I offered to to pay the {$1700.00} and the account balance at XXXX XXXX would be deleted and closed, so I truly know that is leading false info for me the start payments by falsehoods in writing on a misleading 1099c form which the rep. told me she has no knowledge of. Since lies are being told on two different sources, that the account should be deleted. XXXX XXXX is also sending the balances only to me and on the XXXX XXXX bureau charge off page, it states that the balance is a joint responsibility. My niece XXXX XXXX allowed the vehicle to be repoed and I gave the needed info to collect the vehicle from her job. There was no tracker on the car, and Ally Financial did not have any knowledge of where my niece lived or worked, so I made it possible for the car to be collected back to Ally Financial. I have called Ally XXXX XXXX and received no answer. My phone number has been blocked. I called XXXX XXXX of XXXX XXXX after receiving the 1099c to let him know that the balance amount on XXXX XXXX bureau is the same amount of {$11000.00}, but yet on the 1099c it states only {$1700.00} but received no answer. I feel to many lies are being sent to me in writing. but no phone calls are being answer. Also why is the 1099c sent from Ally Financial, when it is stated on my XXXX XXXX bureau file that the account was closed in XX/XX/XXXX of XXXX and now I and looking at the amount due and it states XXXX so the amount of going up, supposibile by Ally Financail when my niece stopped paying on XXXX of XXXX and they auctioned off the car soon after. so why was the account closed in XXXX of XXXX and why is the envelope from the 1099c from Ally Financial if it was charged off by XXXX XXXX. Info is on my XXXX XXXX Bureau. but yet my scores are XXXX with XXXX and XXXX with XXXX and it is stating that I am approved of a car loan if wanted. Info from charge off is very suspicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX, applicant, are aware of Ally Financial deceptive and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. It is clearly and conspicuously Ally Financial have performed deceptive business practices.
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: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A