Date Received: 2022-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing any of these inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {XXXX} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm= physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, else wise delete the alleged inquiries immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I purchased a vehicle ( XX/XX/XXXX ), in which Ally Financial agreed to finance. On XX/XX/XXXX I contacted Ally Financial to inform them that my on-time auto payments were not being reported to XXXX, XXXX and XXXX and I was told it should be reporting within XXXX days ( conf. # XXXX ). After several months of attempting to clarify situation I then continued to follow-up with XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ref # XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX # XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX And XXXX ( XX/XX/XXXX ), Ira XXXX XX/XX/XXXX ), XXXX & XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ) all on XX/XX/XXXX XXXX In all instances I was told my account should be reporting anywhere from XXXX business days. As of XX/XX/XXXX Ally Financial is still not reporting my on-time auto payments and it has caused tremendous stress, financial strain and the inability to move forward financially.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I applied for an auto loan and was told that I my credit would only be run with one lender. I specifically requested that it only be run once because I didn't want to incur multiple hits to my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have used XXXX for a couple years. XXXX lets you do an instant transfer to your bank by charging a fee, or you can transfer to your bank and wait 1-3 days with no fee. I have used the instant transfer several times over the course of a couple years to transfer funds to my Ally bank account. Recently Ally made an update that they will not make the funds available from the instant transfer until XXXX, or the next day depending on what time the transaction was done. There was zero notification of this change. On XX/XX/XXXX I called because the transaction did not show up instantly as in the past and was told they were doing an update to their debit card system. She implied it was a temporary issue and only happened because it was being updated. So, I did not have access to my funds. That is perfectly understandable, and I am aware banks need to perform updates. On XX/XX/XXXX, I again did an instant transfer, and it did not post immediately. I again called and was told by a rep named XXXX that it was not a temporary issue and they had changed their system. I asked for a supervisor because I was stuck out of town with a health issue and needed the funds to be able to make it home. Even though they could see the funds had been transferred they refused to make them available claiming they would either be available around XXXX or the next day. When I asked since they have known their update caused an issue that had been going on at least 2 weeks why customers had not been notified. The supervisor, XXXX told me I had been sent an email which was a complete and total lie. There were also no notifications. The point of my story is they made changes that affect customers with zero notification and zero concern as to how it affects customers. I am not sure if they are trying to get the " float '' from delaying customer access to their own money or if it truly is just an update and will go back to being instant in the future. No other bank has done this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ally financial is reporting that they repossessed my vehicle and that it was involved in an accident. It was neither of those things. It was refinanced with XXXX XXXX. It was never repossessed. I have always been in possession of the vehicle. Still own it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79701
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a large amount of money deposited in my account from my unemployment, and ally bank closed my account for suspicion activity, I had over {$6000.00} deposit in my account, I called and they say it wasn't me .and it was and will not even return the money back to unemployment office either
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX and ALLY Financial on XX/XX/2019. A consumer credit Transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX took cash stating it was needed to move forward with Ally Financial. The Finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I tried to purchase an XXXX monitor for XXXX on a small ecommerce website called XXXX. The site is down right now, it was live and running when I made the purchase on XX/XX/21. Please see the files attached for the evidence. Also attached images of the weight difference of the same product on XXXX and the scam website XXXX. As you can see in the images I attached, the weight of the monitor in the ups tracking number that the scam website XXXX sent is only XXXX lbs, the real weight of the same monitor on XXXX is XXXX pounds/lbs. I also attached an image of a text message that XXXX sent me. I never received this monitor even though I was sent a false tracking number. A few weeks later the website goes offline when it was previously online. I also found several negative reviews of the site on trustpilot.com from several customers that bought something and never had it delivered to them. I also called ups with the tracking number they gave me and they confirmed that the tracking number was not for my address that I put as the shipping address. I contacted the bank I used to make this purchase, ally bank, to report fraud and request a chargeback. Ally bank took longer then other banks take to issue a chargeback. They got back to me with a letter saying this charge was authorized and correct and to fill out an additional form if I wanted them to investigate this charge further. I filled out the form completely with all details and evidence that makes it clear and obvious that the merchant was fraudulent. I had to wait almost 3 months for ally to respond to this by a letter in the mail for their final determination on this charge. Their final letter said that they think it is still authorized and correct and they tried to contact the merchant and of course never received a response from them. They still closed this dispute regardless without issuing a chargeback to return my money and said to contact the merchant directly which I already tried to several times and never received a response because the merchant is an obvious scam that many other people that have left reviews have confirmed they have gotten scammed the same way. What can we do to recover the money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Ally Financial, I have also reached out asking that they remove the inquiry from my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A