Date Received: 2022-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 6 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I went online on XX/XX/XXXX to schedule a payment to come out of my checking account via XXXX on XX/XX/XXXX. I received a confirmation email this same day, stating that I had successfully scheduled my payment. ( Please see the attachment ). On XX/XX/XXXX, I received an email stating that my payment had been suspended due to the status of my account. I had not received any other communication ( phone call, text, letter ) about the payment being suspended. I called Ally on XX/XX/XXXX and spoke with a representative about the email that I received and was told that by the representative that I had not received an email from them. I had to explain that I had gotten an email from them. I was then offered to speak with someone on the online team. I asked if I would be able to speak with a supervisor, since I was not getting the answer that I needed. I was told that I could not but a supervisor would give me a call back by XXXX EST. I received a missed call and when I called back I was told that since I missed the call I would have to wait for another call from a supervisor and it would be by XXXX. I did not get that call. I called on XX/XX/XXXX, and spoke with a lady that stated her name was " XXXX XXXX XXXX. '' I asked to speak with a supervisor and was asked what was going on. I gave her the details and she placed me on hold supposedly getting a supervisor. She thought she had the phone muted and I heard her talking about me and when I responded, she immediately muted the phone and placed me on hold. When she came back on the line she said that her supervisor stated that just because you make a payment on an account does not mean that it immediately comes out of your checking account. This was not what I was calling in reference to. My issue was knowing why the payment was rejected by Ally not anything concerning my bank. I feel as if I have been given the run around and what was a simple question that I need the answers to, has still not been explainhed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX I inquired about a payoff with Ally Financial for a XXXX XXXX, which was purchased during my marriage. At the time, I wrote the bank a check for the stated payoff amount, was assured that the account was satisfied and the title transferred. Months later, a {$1300.00} balance appeared on the account and continues to bog my credit report. I transacted the final balance and in good faith, with the information that was provided to me by the creditor. I have made multiple attempts to dispute the charges through various credit repair apps, and have always been rejected. Furthermore, the debt has been " written off '' from their perspective. While this is not an admission of their guilt, it certainly speaks to a lack of desire to collect the balance.It was not written off until I began to dispute the charges via XXXX XXXX. I believe the write off was a decision to get their mistake off of THEIR books, while continuing to bog down my credit report. I maintain that I do NOT owe Ally Financial for this balance. I believe, but can not prove due to a lack of transparency by the company, that there was a processing DELAY that that was THEIR RESPOSIBILTY, and that they are unjustly and potentially illegally damaging my credit status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Ally financial received notice and evidence of them calling a stranger and discussing my debt with this person. Ally financial refused to address their violation of the law. Ally financial continues to make threats to me when I address their criminal acts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I received an auto-loan from Ally Bank XXXX XX/XX/XXXX for a XXXX XXXX XXXX XXXX and attempted to refinance my loan with my local credit union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a lower interest rate on XX/XX/XXXX. XXXX approved my loan refinance and sent a check for the remaining amount to Ally Bank on XX/XX/XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX, Ally Bank denied my refinance and neglected to inform me or my Credit Union about the denial. When pressed for to provide reasons for the denial, I spent several hours ( approximately XXXX hours ) being transferred and hung up on, only to learn that it was denied because the address they ( Ally ) provided ( online ) was incorrect and out of date. They provided me with their " new '' address, and I had the Credit Union reissue the check on XX/XX/XXXX. To avoid having my loan be sent to collections ( with Ally ) while I waited for the new check from my Credit Union to be received, I was told that it would be in my best interest to pay them now, and wait for reimbursement when the check arrived. I was then informed that I would not only need to pay for the month of XXXX, but that I would also need to pay for a previous month, that was now delinquent. When I pressed them to explain why I would need to pay twice within the same month, they told me that it was for the month of XXXX ( XXXX ). I explained to them that would've occurred before I had even had the car/received the loan, and they then proceeded to lie to me and tell me that it was for " some '' month that occurred between XX/XX/XXXX and XX/XX/XXXX. I explained to them that I could demonstrably prove to them that I have made every payment ( on time ) by providing them with bank statements, to which they denied and then sent me to their phone billing system. During that experience, I explained to them that I had already tried to make a payment over their ( Ally ) app and over the phone, but I was told that my account was " not authorized to receive payments '' multiple times. Despite that, on XX/XX/XXXX ( XXXX ) I attempted to make the payment over the phone again ( as I was told that the issue involving my account had been corrected ), only to learn that they had still not corrected the issue, citing that my account had been suspected of fraud. I was then directed to make a payment over " XXXX '', which I did, paying an additional ~ {$30.00} to guarantee that my account would not be sent to collections on XX/XX/XXXX. To top it all off, I learned on XX/XX/XXXX, that the subsequent address that they provided me when my Credit Union sent them the second check was also wrong/outdated, and I would need to put a stop payment on that one as well. I called my Credit Union to do so, and they said they would be unable to stop a cashiers check until the check was denied, or 15 days pass. I'll be a waiting a full month and a half - assuming nothing else is messed up - to finally transition my loan to my existing Credit Union ( from Ally Bank ). I have been lied to, I have been called a liar, I've been told that I am mistaken. My credit is on the line - and no one I talk to can provide me with a consistent narrative as to why this is happening to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have a lease through Ally Financial and recently was in an accident where the vehicle was declared totaled. The other driver was found completely at fault as they ran a red light at near 70mph when they struck my leased vehicle that was fully covered by insurance here in Michigan. Upon declaring it totaled, my insurance ( XXXX XXXX ) quickly sent over all needed documents to Ally Financial to help expedite the process of paying off the vehicle and removing the loan from my credit. My insurance called and confirmed they had received the fax containing all the documents. The next day, I called to ensure all paperwork was received and to get a timeline of the process from there. They stated they received nothing from my insurance. I had my insurance email everything over and confirm again that everything was received. I then called again to ensure they had everything. I was informed 5-7 business days from then, they would have the Letter of Guarantee sent to my insurance. I waited 7 business days to call back and was told they still have not finished reviewing the documents or sent the Letter of Guarantee to my insurance. When I asked why the timeline of 5-7 business days was not met, customer service representative XXXX ( last name not provided as she stated it was against policy ) said they needed time to review the documents and they have had system issues, to which she wouldnt elaborate. I let her know that I was informed when they received the documents that the 5-7 business days were to review, prepare, and send the Letter of Guarantee and that system issues are not my fault nor was I informed prior. She had no comment. I asked to speak with her supervisor and was told that there is no supervisor to speak with at this time ( during business hours ) but she could make a note and one could call me back in 24-48 hours. I did not receive a call from a supervisor within 48 hours of our conversation ( time would be no later than XXXX XXXX on Thursday XX/XX/2022 ). I did receive a call just shy of 72 hours later ( XXXX EST on Friday XX/XX/2022 ) but was unable to answer due to work. I called back on Tuesday XX/XX/2022 at XXXX XXXX and left a voicemail as there was no answer. I made sure I was available to answer any calls received through the 48 hour window ( even at the impact of my job ) and no attempts for contact were made during that time. Instead, a contact attempt was made 2.5 hours before the end of the supervisor 's work week, leaving no time to resolve this issue before the weekend. Based on XXXXXXXX XXXX ( the supervisor who reached out to me ) schedule, Tuesday was the soonest I would be able to call during business hours ( XXXX EST ) and there was no answer or callback received. This issues is keeping the account open, payments remaining due, and my credit being impacted. Myself and my insurance have been nothing but quick, but Ally will profit off me from dragging their feet and remaining vague on their answers as to why this isn't being taken care of per the timelines they are providing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I submitted a dispute to the CFPB ( XXXX ) against Ally in regards to Ally reporting an account past the seven year statute of limitations. Ally responded on XX/XX/XXXX. It had an attachment that contained several pieces of paperwork. In that paperwork it included a payment history of the account. The payment history displayed the first date of delinquency occurred in XX/XX/XXXX. XXXX 's law dictionary defines delinquency as " a debt that is overdue in payment ''. ( XXXX 's law dictionary, n., XXXX, XXXX XXXX. ) XXXX from XXXX XXXX XXXX stated that the first date of delinquency is on XXXX XXXX. She also states that the information will remain on my credit report. This is a direct violation of federal law and Ally is willfully violating federal law. Ally is aware of the first date of delinquency because Ally provided the paperwork with the first date of delinquency. I have attached the letter Ally representative wrote and the payment history that was included.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: have had financial hardships from losing both of my parents last year in XXXX and XX/XX/2021 then having XXXX late XXXX of which I am still recovering and unable to work. Today, I called to speak with the original person assigned to my file, which is XXXX XXXX at XXXX. XXXX. When speaking with XXXX XXXX who was extremely rude to begin refused to transfer me over even when I provided him the extension. He advised that she was not assigned to the account. When I asked who was assigned to the account, XXXX XXXX intentionally disconnected the call. Let me be clear, I can not help catching XXXX. I did not create this pandemic, I like the rest of the county are simply navigating through. I am still recovering and no one outside of XXXX XXXX has been helpful in any capacity with my issue. Every other person is rude, and hang up when I ask them to identify themselves. When they call you and you request to know who's calling, they hang up. This is borderline harassment. I have a right to know whom I'm speaking with in regards to any manner I am contacted that concerns me. Ally had not worked with the consumers despite the pandemic where we are financially harmed because of XXXX, despite or previous payment history with them. To assist me in becoming current despite my being unable to work, I am asking that all late fees and other fees incurred during this time of illness be waived and that Ally will work out a payment plan for me to become current. I am also asking that my file remain with XXXX XXXX until I am brought current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48101
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: All powers of attorney have been terminated for this contract. I give Ally Financial permission to move forward with this complaint. I purchased a vehicle in XXXX and signed a XXXX XXXX XXXX which is now know to me to be a Negotiable Instrument. This Instrument states that it is a credit sale. The instruments provided at the signing, including the buyers order, were intended to fully satisfy the claim of debt. I was told to sign on an electronic pad which prevented me from properly indorsing the instrument ( XXXX ). I have asked Ally on numerous occasions throughout XXXX, XXXX, and XXXX whose credit was lent for this transaction, or alternately, if Ally had lended me money from its own general funds, to provide that accounting to show this. To the best of my knowledge, Ally did not give ANY valuable consideration in this transaction. I made " payments '' to the account due to the extortionate means Ally uses to threaten theft of property and defamation of character if I didn't. I did this to have clean hands in the matter while ordering Ally for the documentary evidence, which Ally never provided. When asked to give documentary evidence for the accounting Ally has repeatedly retaliated and restricted the account and how payment " must '' be made. As a result of Ally 's extortionate means I sent a payment using a postal money order. I followed the directions on the back of the monthly statement which says " You may send other messaged to XXXX XXXX XXXX, XXXX MN XXXX. Please also use this address if... you are sending a payment that is less than the amount we say you owe, but that you want us to treat as fully satisfying your debt. '' Ally responded with a form letter, unsigned by anyone stating that Ally will not accept my money order as payment on the account. Ally proceeded to send me a copy of the money order but did not return the money order or post it to the account. This is theft. Under UCC 3-603 ( b ) " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is DISCHARGE, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. '' Since this money order was tendered for {$720000.00}, the amount discharged is {$7200.00}. This is a BREECH of Agreement and BREECH of Fiduciary Duties, and BREECH of Trust. Ally'XXXX XXXX shows Ally is selling " debt Securities '' off my Social Security Number without giving any consideration to me, and never gave me full disclosure. It was NOT my INTENT whenI opened the account to UNDERWRITE SECURITIES! This is breech of Trust and Breech of Agreement. I have also since learned that as a man, who can not be a " person '' is not authorized to use Federal Reserve Notes and to do so is a crime of Impersonation and Counterfeiting. I have sent Ally notice that I am unable to pay with Federal Reserve Notes as they request due to the facts that : 1. Whereas Federal Reserve Notes are a debt instrument and one can not pay any debt with a debt 2. Whereas Federal Reserve Notes have only one authorized use " Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized '' 3. Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, 4. Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, 5. Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution; and 6. Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, 7. Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ). Ally must prove that I, as a live man, has any ability to pay under the law, and that I actually have a lawfully owed debt by showing me all documentary evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The company did a hard inquiry check ok my credit without my acknowledgment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A