Date Received: 2022-01-14
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: There was a lawsuit between Ally Financial XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. Ally Financial still continues to report to these 2 bureau 's. I have spoken with Ally Financial finally on XX/XX/XXXX. The law firm that supposedly handled this case for Ally failed to report back to Ally the court order. That firm is XXXX and XXXX, XXXX. I am faxing the court order in to Ally Financial per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for Ally Financial and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a checking account with Ally Bank and noticed on XX/XX/XXXX a pending transaction of {$2300.00} had been added to my account. As soon as I noticed the charge I immediately called Ally Bank to stop the charge because I did not have anything to do with the transaction as it was for buying a used car in another state. Even though the charge was pending Ally refused to stop the payment. Additionally, they said they needed to let the charge go through in order to initiate a dispute on the transaction. They assured me on the call that the transaction would be reversed as they agreed it was a scam. On XX/XX/XXXX the transaction posted, and I disputed it as explained by the representative. It took a week to get the credit applied to my account. Fast forward to XX/XX/XXXX almost 3 months after the incident, and I receive a notice stating that they have reversed my credit and have the supporting documentation they need from the merchant. As soon as the funds were reversed I reached back out to Ally to figure out what evidence they had regarding the fact that I authorized the transaction. To this date I still have not received those documents. I have proof I was not in the state the transaction occurred on the date it occurred. The fact it took so long and they have been unwilling to provide evidence leads me to believe they ran out of time and didnt actually investigate the transaction. Additionally, they should have stopped the transaction as requested prior to go it going through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My wife and I went to look at vehicles for purchase. We were trading in our XXXX for another XXXX. The asked us how our credit XXXX scores were. I said XXXX hundreds. We were successful I. Getting the car. The next couple days following I would see my credit score go increasing lower due to extreme inquiries from car loan banks hitting my credit report. I did not tell the salesman it was okay to pull my credit. I told the. To wait until I looked around. Its unfair that banks can do that to a persons credit. Im right in the middle of trying to refinance my home and was denied do to wrongful credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95240
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Ally Financial Inc has forged my signature on an alleged loan agreement. Ally has failed to validate the debt or furnish the original documents with my actual signature. Ally has taken many illegal actions against me in regards to this forged agreement.
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: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: XXXX sent my information in a data breach to millions of people which compromise my information being misused I currently am on the dark web and I can't get out I have suffered many consequences from this and all they offer me is protection which is already destroyed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Ally Financial Inc failed to disclose my right to rescission. I have brought it to their attention and still have not received any documents.
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: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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: ALLY FINCL company is currently showing 30 days late ( XXXX and XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( ALLY FINCL XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Vehicle was in a motor vehicle crash on XXXX, it was deemed a total loss on XX/XX/XXXX. XXXX reached out to Ally for a guarantee payoff amount. On XX/XX/XXXX, I was on the phone with Ally Financial Services and XXXX to obtain the payoff amount. Ally said on a recorded line that they were having technical difficulties and it would be there in 5 business days. On XXXX I called XXXX and Ally Financial Services failed to submit the payoff amount. On XXXX, I called Ally Financial Services and was told that it was faxed at XXXX XXXX on XX/XX/XXXX to XXXX though XXXX did not have it. On XXXX XXXX called Ally Financial Services while I was on the line and they transferred us to Total Loss which then hung up and said it was the end of the day. On XX/XX/XXXX XXXX called Ally Financial Services again while I was on the line and said it was not faxed on XX/XX/XXXX and would need to be done again. The Ally Financial Services rep said it should be there by XX/XX/XXXX and said shes sorry for the inconvenience. At this point, I am paying out of pocket for a rental because Ally Financial Services failed to complete their end of this. XXXX has also asked Ally Financial Services for a verbal payoff amount and Ally refused to provide this on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I asked to speak to a supervisor and was denied. I called Ally myself on XX/XX/XXXX and was again denied to speak to a supervisor. Ally has far exceeded the promised date of 5 business days to complete this task.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently pulled my credit report and realized my auto loan was showing 30 days late all of 2021. I called the company said that I have missed a payment making all payments forward late. I have not missed any payments last year. In fact, several payments were paid a few days earlier which they applied to the same month making the next months payment late. I explained to them they made a big mistake and it is affecting my credit now. They said they did not make any mistakes. I have all payment history backing my statement. I also have put several requests in to speak with a manager with no return calls. I would just like help solving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Ally Financial Inc is failing to provide and disclose the documents required pursuant to the Truth In lending act. Ally Financial Inc has failed to validate the debt and cease collections during the dispute.
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: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A