Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ally Financial continues to update inaccurate information on my credit profile. I paid their debt collector and they continue to strike my credit report with late payments whenever my score increases. On XX/XX/XXXX, my credit score reached XXXX, and the next day on XX/XX/XXXX, Ally Financial reported 3 late payments from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, causing a XXXX point decrease in my credit score. This account has been closed for 2 years and paid but they continue to report false and incorrect information that is detrimental to my credit reports whenever my score goes up.. This is a violation of the Fair Credit Reporting Act and I demand that Ally Financial remove this account from my credit profile immediately. I have all the evidence & proof that they have broken federal law. I have filed my complaint with the attorney general as well. I reported this to the credit bureaus and proved they broke the law. XXXX and XXXX have removed the account from my report but XXXX continues to report this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/2022, a letter was sent to me from XXXX XXXX indicating that the bank had used a so called " credit score '' of XXXX from XXXX XXXX XXXX erroneously. XXXX XXXX XXXX, a subsidiary of XXXX, is NOT a credit reporting agency but a consumer reporting agency. Thus Ally Bank used a low score of XXXX from XXXX, XXXX XXXX XXXX XXXX of the factors leading to the denial of my loan request on XX/XX/2022. Ally Bank in black and white wrote, " Information about your credit score from XXXX XXXX XXXX : We also obtained your credit score from XXXX XXXX XXXX and used it in making our credit decision ''. etc. This is wrong! An injustice and misappropriation of a consumer report that has nothing to do with a credit report that determines the credit/spending/earning power of the applicant. Once again, it is merely a " consumer report '' with insurance information and residencies ; absolutely nothing about spending habits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have contacted Ally as it relates to a consumer credit transaction that took place as the XXXX XXXX on XX/XX/XXXX. My, ( the consumer ) initial contact with Ally was with a " billing statement, '' for the alleged debt associated with the consumer credit transaction made between the consumer and XXXX XXXX. I have since discovered a billing error. To correct the billing error, I contacted Ally Financial by ways of mail and lawfully requested that Ally Financial Inc. provide documentary evidence of the account, the original agreement bearing my ink signature, as well as other documents. I, the Consumer is not in receipt of these documents. Following my request for these documents, Ally Financial Inc. sent a notice of default for the alleged debt that was under dispute as of XX/XX/XXXX, ( the date ALLY received my notices ). Ally threatened, myself ( the consumer ) of taking possession the vehicle which is inequitable and impracticable, and act as adverse actions towards the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: Ally lending is asking people to send their social security numbers via mail & not provided a secure option to provide it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX loan was paid in full on XX/XX/XXXX by insurance company and title was released to insurance company. Gap coverage was selected but was not processed by dealer properly on loan documents. After loan was processed and submitted to Ally Financial the contract was determined to be either incorrectly stated or omitted for Optional GAP contract by dealer. This was not my error and Gap coverage was selected and should have covered the difference and therefore no remaining balance was due. Ally and their collection agency continue to report this as unpaid debt to credit bureau. I have disputed this several times. I phoned Ally Financial on XX/XX/XXXX and the gentleman could not locate my account and stated he was transferring me to an Account Specialist but instead transferred me to their collection agency XXXX XXXX XXXX XXXX. They demanded payment but I did not contact them but was transferred to them by false misinformation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Was paid in full on XX/XX/2017 by insurance company and title was sent to insurance company. Ally financial continued to report unpaid debt and false reporting to credit bureaus. Continues to be on my credit report as unpaid debt/charge off which is incorrect and should show paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: this is a continuation of complaint id XXXX against ally bank as of XX/XX/2022, Ally Bank and its trustees has been in receipt of certified mail receipt number # XXXX, titled UCC 9-210 REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Ally Bank is now in violation of UCC 9-210, they have failed to comply with there duties as follows ; 9-209. DUTIES OF SECURED PARTY IF ACCOUNT DEBTOR HAS BEEN NOTIFIED OF ASSIGNMENT. ( a ) [ Applicability of section. ] Except as otherwise provided in subsection ( c ), this section applies if : ( 1 ) there is no outstanding secured obligation; and ( 2 ) the secured party is not committed to make advances, incur obligations, or otherwise give value. ( b ) [ Duties of secured party after receiving demand from debtor. ] Within 10 days after receiving an authenticated demand by the debtor, a secured party shall send to an account debtor that has received notification of an assignment to the secured party as assignee under Section 9-406 ( a ) an authenticated record that releases the account debtor from any further obligation to the secured party. ( c ) [ Inapplicability to sales. ] This section does not apply to an assignment constituting the sale of an account, chattel paper, or payment intangible. ALLY BANK IS NOW CIVILLY LIABLE TO ME PURSUANT TO : UCC 9-625 CLAIM OF RELIEF PURSUANT TO : 9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE. ( a ) [ Judicial orders concerning noncompliance. ] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions. ( b ) [ Damages for noncompliance. ] Subject to subsections ( c ), ( d ), and ( f ), a person is liable for damages in the amount of any loss caused by a failure to comply with this article. Loss caused by a failure to comply may include loss resulting from the debtor 's inability to obtain, or increased costs of, alternative financing. ( c ) [ Persons entitled to recover damages ; statutory damages in consumer-goods transaction. ] Except as otherwise provided in Section 9-628 : ( 1 ) a person that, at the time of the failure, was a debtor, was an obligor, or held a security interest in or other lien on the collateral may recover damages under subsection ( b ) for its loss; and ( 2 ) if the collateral is consumer goods, a person that was a debtor or a secondary obligor at the time a secured party failed to comply with this part may recover for that failure in any event an amount not less than the credit service charge plus 10 percent of the principal amount of the obligation or the time-price differential plus 10 percent of the cash price. ( d ) [ Recovery when deficiency eliminated or reduced. ] A debtor whose deficiency is eliminated under Section 9-626 may recover damages for the loss of any surplus. However, a debtor or secondary obligor whose deficiency is eliminated or reduced under Section 9-626 may not otherwise recover under subsection ( b ) for noncompliance with the provisions of this part relating to collection, enforcement, disposition, or acceptance. ( e ) [ Statutory damages : noncompliance with specified provisions. ] In addition to any damages recoverable under subsection ( b ), the debtor, consumer obligor, or person named as a debtor in a filed record, as applicable, may recover {$500.00} in each case from a person that : ( 1 ) fails to comply with Section 9-208 ; ( 2 ) fails to comply with Section 9-209 ; ( 3 ) files a record that the person is not entitled to file under Section 9-509 ( a ) ; ( 4 ) fails to cause the secured party of record to file or send a termination statement as required by Section 9-513 ( a ) or ( c ) ; ( 5 ) fails to comply with Section 9-616 ( b ) ( 1 ) and whose failure is part of a pattern, or consistent with a practice, of noncompliance ; or ( 6 ) fails to comply with Section 9-616 ( b ) ( 2 ). ( f ) [ Statutory damages : noncompliance with Section 9-210. ] A debtor or consumer obligor may recover damages under subsection ( b ) and, in addition, {$500.00} in each case from a person that, without reasonable cause, fails to comply with a request under Section 9-210. A recipient of a request under Section 9-210 which never claimed an interest in the collateral or obligations that are the subject of a request under that section has a reasonable excuse for failure to comply with the request within the meaning of this subsection. ( g ) [ Limitation of security interest : noncompliance with Section 9-210. ] If a secured party fails to comply with a request regarding a list of collateral or a statement of account under Section 9-210, the secured party may claim a security interest only as shown in the list or statement included in the request as against a person that is reasonably misled by the failure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the morning of XX/XX/2022 I got a fraud debt charge on my Ally financial debt card for XXXX XXXX I saw from my transaction history it came from a company called ( XXXX XXXX ) I immediately searched up the website and found their contact information and called, and after several attempts of trying to reach customer service I finally got someone on the phone and I told them that someone is using my debt card on their platform and got charged XXXX XXXX after speaking to the company customer representative, I was told that since they can't use my debt card information to see what account my card was connected to, due to security reasons that they couldn't help me, so feelings hopeless I moved on to dispute this fraud charge with my bank Ally financial, after I explained this charge to them they closed my debt card and sent me a new one and filed a dispute form over the phone with them, my dispute Case number for Ally financial ( XXXX ) they told me after 10-15 days I will receive a paper mail with the determination notice, after I received that paper I got declined for any provisional credit for this charge, they couldn't give me any exact reason why I got declined and now I am out of XXXX dollars and moving forward I'll banking with a different bank that protects & appreciates their customers. I would like CFPB to see if they could get me a refund of XXXX $ from Ally financial and to see what exact reasons they declined me for. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Ally Financial XXXXXX/XX/2021 2. XXXX XXXX XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time. In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines. The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX XXXX XXXX '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66762
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A