Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted a complaint to CFPB on XX/XX/XXXX. Ally responded on XX/XX/XXXX. CFPB XXXX XXXX. While I appreciate the response from Ally, they did not address that they ultimately used deceptive tactics to entice me into forfeiting my right to continue disputing the debt and saying that a partial payment would not adversely impact my credit. I did not arbitrarily come up with the amount that was paid. The amount I paid was positioned to me as satisfying the debt being contested. This was in line with a prior letter from Ally in XX/XX/XXXX where Ally proactively solicited that I accept a lower amount that would satisfy this debt. As someone that has maintained a pristine payment history not just with GMAC/Ally but across all my debts, it does not make sense that I would purposely adversely impact my credit score by paying a lower amount. Per my understanding of the Generally Accepted Accounting Principals ( GAAP ) from accounting of Accounts Receivable, it is at Ally 's discretion when my account should be considered a Charge Off. Despite the multiple times I told Ally I would be happy to pay for the damage, they still decided on their own volition to account for this as a Charge Off. I was clear in what was needed from Ally, I remained in constant contact with Ally throughout the whole time in question, and I held multiple calls with customer service representatives. All of these actions refute Ally 's position that I was not willing to pay. If the accounting mechanics mentioned are incorrect, I would ask that you please share the corresponding section within GAAP guidelines or provide a letter from your auditing firm that substantiates your position that a charge off was accounting driven. While Ally did complete a cursory review of the history, there are still substantial details left out. I have expressed multiple times that I would like to work with Ally so that this not be labeled a Charge Off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: XX/XX/XXXX, XXXX, & XXXX I sent emails to XXXX XXXX and XXXX XXXX requesting for my XXXX as I stated that : Amount written off : {$5400.00} Paid : {$20000.00} principal {$6000.00} interest accrued Contract Total paid XXXX {>= $1,000,000} financed Principal Paid : {$20000.00} 1 ) the vehicle needs {$14000.00} of work done. The vehicle is not worth that amount. XXXX ) Ally Financial has written-off the account. The amount owed is for interest and past due charges, not for the vehicle value. XXXX ) Spoke with XXXX on XX/XX/XXXX. He said they will not take the vehicle because it would be useless. Also stated, I expressed to them that the vehicle needs to be removed from my property because its a violation within my property management company to have abandoned, unused vehicles for an extended period which will create an expensive fine. I will not pay for interest that was written off and the value of the vehicle has been paid already and Ally refused to take the vehicle. The XXXX XXXX XXXX has been wrote off since XXXX. Please release the title and send a XXXX. At this point I will be filing bankruptcy if cant get resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a online account with Ally Bank. My brother in life was helping me get through financial hard times so he set up a XXXX a week direct deposit from his payroll. He also XXXX money into the account. I gave him online access to my account. After 8 weeks of direct deposits Ally froze my account and failed to give me access to my money. Now over XXXX. I've talked with many people at Ally Bank that continues to lie. They told me 8 times they would send me my money. They have not. They know there is no criminal activity yet are holding my money hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear sirs, I have recently reviewed my credit report and noticed credit inquiries that I didnt authorize. Im filing a formal complaint to have these inquiries removed from my credit report, as they are negatively affecting my credit score. Below are the inquiries that I didnt request nor authorize, and that are therefore fraudulent and should NOT be listed on my credit report : -Ally Financial from XX/XX/2021 -Ally Financial XXXX XXXX from XX/XX/2021 -XXXX XXXX from XX/XX/2021 -XXXX XXXX XXXX from XX/XX/2021 XXXX XXXX XXXXrom XX/XX/2021 Please remove these inquiries from my credit report and send me a confirmation. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: on XX/XX/2021 A Deer ran infront and top of my car my car was totalled as soon as I got home I started calling insurance to start claim process. Well found out I was not covered with car rental. So I called where I finance loan like around the XXXX to see if insurance had contacted them they stated no I gave them information of claim adjuster and name and number. They said okay they would put it on the account. Called back on the XX/XX/2021 Because I received an email from claim adjuster stating they waiting on letter of gurantee and title they had already cut a check for them just waiting on those items. So I call Ally Financial and they never wrote the information on when I called and they had not information from the insurance I asked for Total Loss Department and got tossed around to another Customer Service Representative. They do not have a Total Loss Department they tell me to tell insurance to call back at XXXX for Total Loss that is same number I called for Customer Service Number. I am frustrated and stressed they are not getting this done and on their web page there is no other numbers to contact just finance number, no legal department number, no total loss number. Nothing is being accomplished. At this time it is all a cat and mouse game. I have not documents on calls. Their calls are suppose to be recorded. This company claims to be number one and has all this awards they are falsefying. They need auditing by the government because they are not doing their job. Why as a customers should I be doing their leg work and why are they not noting any information down and who is the person to speak to when their is a serious issue with a damaged or wrecked car their is no information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76903
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I continue to have issues with Ally. I wasted over an hour while an agent told me I needed to submit a change of name form. I hung up after never getting a full resolution. I called back the next day and was told something completely different by XXXX. Apparently Ally has my name entered incorrectly. This is my experience every time I reach out to Ally. I still have no reached a resolution and am unable to deposit the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. ALLY FINCL Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My monthly installments were paid before being turned over to collections. I also paid an extra future installment payment and ally financial agrees with me that my payments are up to date plus one month ahead of the billing statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: My car was a total lost do to a drunk driver. I had gap insurance which covered the lost. I called the gap insurer and they stayed based on the information they had I should get a refund. I spoke with a customer service representative at Ally financial..he first told me he saw few late fees but could not go into detail about the account because another department was handling the total lost. I spoke to a rep in the total lost department but they told me I would have to speak back to customer service about the fees and late charges. Ally says I owe them XXXX. I should be getting a refund but they made up some fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A