Date Received: 2022-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The XXXX XXXX XXXX was traded in the month of XX/XX/XXXX. Ally Financial has reported a late payment. I called today and they are now saying the dealership is responsible for {$95.00}. They were paid in full and Ally has confirmed they have been paid by the dealerhsip. I have a confirmed tracking number from the dealership. Ally has never contacted me about any of this. Now I have a late payment and owe a balance. I called Ally Financial today and this was the information I was told. I now have to contact the dealership about the {$95.00} although the payoff amount was stated at the time of the trade in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation auto loans late payments ALLY FINANCIAL FRCA Violation student loans U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX U S DEPT OF EDXXXX FRCA Violation personal loan late payments XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX FRCA Violation personal information 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: 77079
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % 100 fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM NOT SURE WHO AUTHORIZED THESE INQUIRIES ON MY CREDIT REPORT BUT I DID NOT. I HAVE NO IDEA WHY THESE CREDIT BUREAUS DO NOT COMPLY WHEN WE HAVE FRAUD ALERTS ON OUR CREDIT REPORTS. I CONTACTED THIS COMPANY AND WAS TOLD THAT THEY WERE NOT GOING TO REMOVE THE INQUIRIES WHICH IS NOT ONLY A VIOLATION OF MY RIGHTS BUT IT'S ALSO AGAINST THE LAW.
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: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear Sir/Madam : I previously filed a complaint against this same company for the exact same debt. It was resolved by the company sending communication stating and admitting that the debt was completely resolved and nothing further was owing. The complaint previously filed and ruled in my favor is XXXX. I am incorporating that entire complaint herein by reference. I am also including by reference all of the documents which were previously submitted and answered by Ally. They claimed there was no fraud. However, the following has occurred since the closing of the complaint referenced above : 1 ) Complaint filed ; 2 ) Ruled in my favor and admitted by ALLY it was paid in full ( as I originally stated ) ; 3 ) Yet - after they admit I owe nothing, they have CONTINUED with debt collection and added further illegal interest to a debt that is not owed. Thus, it certainly seems like fraud where they answer your governmental division that I owe nothing and then continue to proceed to add more debt and further collect on a debt that I do not owe. Regards, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I have sent these companies two rescission documents, with all proof of the fraud in the contract they mislead and coerced me into endorsing. XXXX XXXX XXXX and Ally financial never received nor have I ever signed power of attorney over to them. XXXX XXXX XXXX committed fraud by registering my car without my permission. XXXX XXXX and Ally never provided me with the right to rescind documents which is against the law and a violation of my rights as a consumer. I have provided all necessary documents in attachments below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I have been trying to refinance my loan away from Ally Financial, and they will not provide documents requested. Ally is either ignoring requests, or saying they do not have documents, such as a copy of the title, in which the sale completed 6 months ago. This is costing me money everyday, and coincidentally, is making them money by ignoring me. Ally is scamming it customers in connection with its business partner XXXX and not sending documents in a legal amount of time, neither company should be allow to continue scamming customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I tried to fix this serval times I just want this off my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive been attempting to get Ally Financial to stop reporting account as disputed. with no luck. Im working on getting a home loan and this verbiage on my credit reporting is affecting my loan approval. I begin making my request to Ally in XXXX of 2021, Ally as well as all the credit reporting bureaus would remove the dispute, but comes the following month and Ally reports as disputed again. Ive had the loan XXXX on the line with me and Ally representative XXXX and that hasnt work. At this point I dont know what else to do, to get them to stop reporting the account as under dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Theres a fraudulent account named : XXXX XXXX showing on my credit report and its affecting me to buy a home
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A