Date Received: 2022-03-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiry from ALLY FINANCIAL that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. XXXX XXXX XXXX XXXX 2 hard inquires I was no aware of. XXXX 3 unrecognized hard pulls. XXXX XXXX XXXX Hard inquiry reported on my credit profile without my approval. XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To whom it may concern, In the month of XX/XX/XXXX, I was XXXX for complications involving XXXX. I subsequently called ALLY Financial Auto in XX/XX/XXXX once I saw that my credit report ( all 3 credit bureaus ) showed a " past due payment. '' My Credit score dropped by XXXX pts. This should not have been the case since I paid more than the {$730.00} due. I was told by Ally Financial that my hardship was acknowledged and I was not delinquent and the credit reports would be corrected. In XX/XX/XXXX, I was reported past due once again, causing an additional drop of XXXX pts. Moreover, it appears that the actual monthly amount is not at issue, since I pay {$800.00} ( more than {$730.00} ) every month. The attached exhibit shows that Ally Financial Auto is treating a late {$670.00} late fee as a " past due '' amount every month going forward. The predatory behavior on the part of ALLY caused damage. To wit : 1. It puts my housing at risk, since rent is based on a good credit score. 2. It raises all other credit costs because equitable access to credit is based on a good credit score. The predatory interest rate is racists, as it applies to mostly XXXX and XXXX consumers who, like me, are caught in this cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: No payments were made between XXXX of XXXX to XXXX of XXXX Information reported on credit was incorrect, Reported that it was false and they haven't done anything about it. Ally Financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97477
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from Ally on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot Ally destroyed XXXX! Please help, they can't violate me and get away with it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022 I deposited a check from my employer XXXX XXXX XXXX XXXXXXXX XXXX for the amount {$1400.00} to my bank Ally Bank. On XX/XX/2022 Ally Bank Flagged my account for fraud and locked my out of my account. The same day I sent Ally Bank Verification documents to show that my check was legit as well as a proof of employment. Ally refuses to look at any of the documents I sent them and when I call them for a response they hang up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is misleading information that is reporting on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: This is a two-party loan where I am the primary borrower. The second party has attempted to extend the duration and increase the total cost of the loan, without my consent. The lender never contacted me before allowing an extension of the duration and increased the total cost. At no time has the lender given me no option to agree ( or disagree ) with a change of terms. Upon becoming aware of the change of terms, I contacted the lender. Their representative of the lender said many things including, but not limited to : 1 ) " there is no primary borrower on a loan '' 2 ) " we can change the terms of the loan without consent of all listed parties '' 3 ) " we won't stop the extension ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Started the refinancing process with Ally bank on or around XXXX XXXX. I was approved, and a rate of 3.3 % was locked. The appraisal was waived ( see attached ). All pertinent information was provided, reviewed, and completed by Ally 's staff, and closing was scheduled for XX/XX/XXXX. However, I encountered a problem with the closing rep, and I requested another rep to finish the process. I have a lien of {$20000.00} that was supposed to be added to the loan, ( " The Subordinate Deed of Trust is being added to your loan to be paid off at closing. Once fully added a new loan estimate will be sent to you for review '' from XXXX XXXX on XX/XX/XXXX ), but the reps failed to complete this process prior to closing. As such, I was told by the closing agent, XXXX XXXX, that the team was going to correct the issue, and closing needed to be rescheduled for another date. I received an email from XXXX XXXX on XX/XX/XXXX stating my rate went from 3.3 % to 3.5 %. On XX/XX/XXXX, the rate went from 3.5 % to 3.625 %. I disputed the rate hikes because I was a day from closing with a rate of 3.3 %. XXXX stated he would seek a " concession '' because of the mistakes on Ally 's part. XXXX days later, he informed me that the concession was only {$250.00}, which would not change my rate. I told him that was just unfair, and he states he would escalate the issue to another team. Today, XX/XX/XXXX, I received an email from XXXX XXXX stating '' Your appraisal has been ordered. '' Bear in mind that this process was waived early in the process, and we were in closing. Moreover, I was not aware of the appraisal and I did not approve it. I also received an email from Collateral Inspections requesting that I choose a date for next week. It appears Ally is doing everything to get out of this deal now that interest rates have gone up. They are using the appraisal against me because I informed XXXX XXXX that my daughter and my husband are unable to be exposed to anyone during the pandemic due to underlying health conditions. This is unfair, unethical, misleading. A
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: My deceased husband had a car loan with Ally auto loans. I called them in XXXX of XXXX told them I wasn't on the loan but my husband who was had died. They hung up on me. So I faxed over a death certificate and told them where the vehicle was located and to please come pick it up. This was XX/XX/XXXX. I never heard from Ally. I tried several times to contact them and they would not speak to me. The vehicle sat in my driveway and I had to pay personal property taxes on it and full coverage insurance until my husband received a letter the end of XX/XX/XXXX stating they had written the vehicle off and he owed them {$32000.00} ( Approx ) They had continued to add finance charges to a dead person 's bill and refused to pick up the vehicle. I want $ XXXX storage fees from them for the 485 days the vehicle was left on my property. Total Ally owes me is {$14000.00}. They have the vehicle as they repossessed it on XX/XX/XXXX. My name was never on the loan. They never had any correspondence and refused to speak to me every time I called them. They NEVER sent a letter in XXXX 's name until the end of XX/XX/XXXX. This company is a scam. Stay far away from them. There was no money to pay off the loan. My husband owned nothing and had huge medical bills and no life insurance. And now this company has ripped me off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65251
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I received an email with Ally Bank , Inc promoting the Do it right Initiative. I sent an email on XX/XX/XXXX asking about the initiative and how they address loan rates with people of XXXX. Due to the nature of the message, I was told to call them. I called the customer service number, and after 45 minutes of being transferred no one was able to answer my question because they had no knowledge or access to the email system. I searched online and found a member of Leaderships email in hopes to ask about this new initiative. I was assigned a representative who gave me the runaround, which included an incorrect phone extension, and when requested and email account to a mean email. I emailed a member from the executive team again and that is when the representative fall back up.After almost a month, the representative did not answer the question about the do it right initiative, no provide any updated information regarding interest rates and people of XXXX. I was sent a letter in the mail with all of the information that I already had access to you. They put no effort into attempting to find a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A