Date Received: 2022-02-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2022 at XXXX, Ally Financial contacted an outside party. The outside party is a coworker of mine. The outside party was asked about my account twice even though the purpose of the call was to discuss their personal account. XXXX XXXX verified my coworkers social security number and phone number, and still proceeded to discuss the amount owed and my account with this person. This is a violation of 15 usc 1692b and 15 usc 1692c ( b ). This call was recorded. I understand that Ally, Ally Financial, Ally Bank are all registered under different business registration numbers. All being a different business possessing their own name. ( the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. )
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: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have done my due diligence to send a notice to ALLY FINANCIAL of violations to my consumer rights. I sent a notice certified mail, green return receipt to the registered agent which is XXXX XXXX XXXX. The notice was received on XX/XX/2022 ( Exhibit A ). In that notice ( Exhibit B and C ) it exclaims that my consumer rights have been violated pursuant to but not limited to the TRUTH IN LENDING ACT ( 15 usc 1601 ) ( 12 CFR 1026 ). Along with my claim, as a consumer I demanded ALLY FINANCIAL to cease all communication to third parties and not to report negative information to any credit reporting agencies. Today XX/XX/2022 I received a notification from the credit reporting agencies XXXX and XXXX of a negative report from ALLY FINANCIAL ( Exhibit D ). They have now willfully violated my demands as a federally protected consumer. I have also demanded documentation to verify that I in fact owe the alleged debt ( Exhibit B ). Knowing that I have been taken advantage of financially and emotionally and completely mislead has taken a toll on my mental health, my physical health, my relationship with my partner and my family. ALLY FINANCIAL has also restricted my account to where I am not even able to contact them through the email portal on the website. ( Exhibit E )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX Went online to make payment. Website would not allow. There was a phone number to call. When I called they said my mortgage was sent to a collection agency two months ago due to no payment. The website show my payments were made. I have never missed a payment or have been late. They refused to let me to talk to me and said the loan is closed. I also looked to see if they reversed the payments and it showed no payment reversals. I called six times and it now just forwards me to a collection agency. I keep all statements. The last statement I have is XXXX statement. I go online and download and keep for my records. I went online to try to get the XXXX statement and they have blocked me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
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: This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I attempted to access my account, could not, and was directed to contact the bank. I did on XX/XX/XXXX, and upon doing so learned that I was the victim of a scam, and as a result my account was on hold. I asked for details about the hold and was informed there would be an investigation, which would result in a restoration of my account or the account would be closed. I was also informed that restricted actually meant locked out completely. Even previously approved transfers would be declined. I then asked if they could expedite the process and close my account immediately so I would not be harmed by late payments, and was refused. At that point I asked for documentation explaining the hold. They refused. I called again on the XXXX and XXXX and was again told they would not release my funds. This action is prejudicial and harmful. Since the hold was placed I have missed student loan payments, credit card payments, and was unable to pay my XXXX rent. Ally has experienced no harm. The checks were declined, and no funds were spent outside of the funds I had before the scam. Ally failed to inform me about the hold until harm had been done. The one piece of outgoing communication that I received was not sent until XX/XX/XXXX, several days after the hold prevented my payments from being paid. Ally claims that the worst case scenario is closing my account, but continues to refuse to do just that. While I am unable to pay bills, they continue to earn interest off my checking and savings accounts. My credit is being negatively impacted in a serious manner. While I understand the importance of investigating fraud, they have not provided a satisfactory justification for continuing to hold my funds hostage. I have offered to provide additional information about the scammers, but they declined. I have text messages, a phone number, and additional checks that I never had the opportunity to deposit, which they were uninterested in, though they would certainly aid any investigation. I believe they are acting in bad faith, to my disadvantage, because they have not provided a legal basis for their actions, saying only that it is the banks protocol. I would like to know what my rights are, if any, and what remedy I might seek after the fact to make me whole when Ive suffered great harm to my financial situation and credit profile. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94545
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XXXX XXXX XXXX XXXX, and Ally Financial Inc., have conspired together to compel me to pay a debt that I do not owe and violate public law. As a consumer credit transaction took place and XXXX XXXX XXXX XXXX, accepted my original promissory note as payment which gave it cash value then they attempted to assign said promissory note to Ally Financial InXXXX, without giving me a full disclosure of their intentions. Also after a very detailed study and review of the monetary system and the federal reserve system, I realised that my original promissory note was the original source of value which gave the credit in said consumer credit transaction. Being so I the consumer in said transaction owed no further obligation to said parties. Due to the lack of a full disclosure I sent a notice of rescission of any security interest given to XXXX XXXX XXXX XXXX. Therefore, Ally financial Inc., has no apparent authority to accept any assignment of security interest from XXXX XXXX XXXX XXXX, on my behalf as Ally Financial Inc., didnt provide any consideration to obtain the original promissory note. Any security interest given was done by misrepresentation, fraud and without a full disclosure. I have contacted both companies via certified mail in the form of a notarized affidavit under the penalty of perjury. Both companies have failed to properly respond to said affidavits and have also failed to take any necessary and appropriate action to reflect the termination of any security interest created under the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Bank worked in part with XXXX XXXX to secure a fraudulent loan and activities to prevent consumer ( myself ) by able to understand or bring to surface of the original loan and contract I was aware of and agreed upon. They continuously and dishonestly made changes while helping XXXX XXXX XXXX get away with more than XXXX in cash and trade in vehicle to be repossess sold or etc. Without giving me access to records or resources to prove otherwise while adding additional financial charges to existing contract and denying any illegal actions on there part throughout duration of my compliant and regards causing me so much financial distress and physical distress declining my mental ability to continue to fight and search for any resources available to help me hold anyone accountable but I continues making payments by a means because I knew I wasn't mentally XXXX or XXXX to believe there lies which they wishes I would give in to believe. After what turned into 6 years of payments instead of 12 months and a interest rate of almost 10 percent. Recently thanks to the man above God or good energy or karma whichever maybe responsible or for the person reading this compliant to believes. Less than 10 days ago what I knew both entities worked together to commit against me and cause more than XXXX in damages and as well as so much other injury I may never fully recover in any way I assure you this has permanently effected and took more than I can start to write down on this form. However, what was done behind closed doors and away from my knowledge I can finally not only assume before but I now have 100 percent proof they have done and quickly tried to relieve themselves from any responsibility as soon as I noticed and started asking questions seeking answers they went into action to clean up and do there do diligence from ever being able to bring to light but I finally am able to say I got 150 percent proof both parties Ally Bank and XXXX XXXX XXXX acted and conspired to cause intentional distress to consumer for both profit and selfish reasonings to further there own agenda despise the state laws and regulations which were set in place to protect consumers, both entities and personals went above and beyond to deny any involvement until recently when I have been able to address to them the evidence which before I could only assume they acted unlawfully or had any knowledge of any dealings however its officially now known by both myself and both entities as well as personnels who both work and represent each entity now made aware of that I will no longer stay silent but will report them asap and no remedy or cause of action but which the law or state allows to be fined or punished for breaking the governing ruled and regulations to be notified and ask only for that course of remedy to be the only interest of mine the consumer given I spent 6 years searching for answers hoping for justice or for them to make sense to why this happened to me in the first place but I was consistently lied to and almost believed that I was crazy and mentally uncapable to file any compliant or seek any remedy other than my own self medicating ways to prevent further mental and physical damage I accepted my faith because both entities I knew were working hand in hand to destroy my life and gain from it and I had NO ONE or nothing left except my original purchase which was even intentionally involved in a automobile accident where I now believe was done by the personnel who works for XXXX XXXX XXXX to get me to further agree and replace or have vehicle repossessed to further allow distance from discovering what they done to me from ever coming to light and able to prove it theoretically but I can't prove that other than coincidentally proving emails exactly during times which made me believe more of my theory being facts then fiction especially since all pieces of the puzzle now paint the picture and nothing is left to speculation I can only ask someone other than any of the parties Including myself to be the judge and I know I can only trust the final assessments conclusion at this point I feel I've loss my sanity and judgment to have any opinion would be bias and unfair in court because of such injury and damage I can no longer understand anything I've lost my mind my body my soul my presence my future and only can speak of my past in past tense as it once was what I remember to live a life wherr everydsy i went to sleep on time looking forward to getting up next day hoping to live my future being better than my past but I loss everything including being able to be able to work hard and look forward to anything after my future is now my past memories of what i remembered or understood to be a dream and nothing more. Ive hit low percent poverty and continued to live lawfully with nothing except my parents the few people i have left if nothing else supporting me and being my punching bag when i felt i needed to act out and say life isnt fair to accept what happened to me to be a unjustified act of few people who for long time been able to act above the law and at one point even given bonus for there involvement and use of power and to continue acting in such nature and trusted too by those who i hoped wouldnt trust these entities given the law protects the consumer and corporations from doing unlawful acts and to enforce these entities to act in good faith however they now too are XXXX founded and believe me after I've lost more than anyone I know while believing I myself am crazy in order to keep my sanity and me from going insane more than I already have shown everyone I am and might be just so if I accepted I was crazy then there Maybe a chance I can hold on to some of my little dignity in the face of those whom became aware of my issues to also believe that I am not too crazy for accepting the course of actions set in place to dysfunctional damage me as a whole instead of just financially. Thank you. God bless Sincerely, Lost MAN No Man should have to experience what I had to just to bring one peace but thank you for anything you can do to help assure this won't happen to the next consumer then I can say my purpose did not go to vainly. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I am at my wit 's end with this incompetent company. This is one of many complaints lodged against Ally. The gist of this one is that I paid off a summons that was related to my previous lease of a vehicle with Ally. I was on the phone with ALLY WHEN I PAID IT OFF AND RECEIVED WRITTEN CONFIRMATION THAT THE MATTER HAD BEEN SETTLED ON XX/XX/2022. SUMMONS # XXXX, XXXX Today in the mail, I receive a letter dated XX/XX/2022 referring to the same summons ( but associated with XXXX, when the toll authority was in Pennsylvania ) XXXX It was basically gibberish saying I hadn't paid it and that they paid XXXX of all places and it MADE NO SENSE, but referred to the same amount {$18.00} and the same summons # XXXX, XXXX. I can not deal with this nonsense. The company has horrible record-keeping, and I do not want to be on the hook for something I do not owe, and they seem to be unable to keep anything straight and communicate in a reasonable or coherent fashion. THEY ARE NEGLIGENT and CARELESS. All my issues with them deal with NEGLIGENCE IN RECORD-KEEPING. I've had enough, and want to move on with my life. Please make them stop bothering me with their idiocy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. Ally, XXXX, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. Alley Financial has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A