Date Received: 2021-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial , Inc. has failed to remove their account completely from my XXXX Credit Report per Amended Final Approved Order issued by the Court of XXXX XXXX, XXXX pursuant to Class Action Settlement in Case No. XXXX. I am an identified member of the Nationwide Class under this order, and on Pages 7-8 ( copy attached ) of the Order it stipulates that Ally waives any deficiency balances as a result of a repossession under the case terms ( which mine was ) and will DELETE any trade lines reported to CRA 's XXXX It appears that they have removed it from XXXX and XXXX, but have not removed it in its entirety from XXXX. I am currently in the process of purchasing a home, and this account still showing on my credit report is causing issues with my loan approval that I am on a deadline with the builder to submit to avoid losing {$5000.00} deposit by not meeting the terms of the loan approval deadline. Thus, this is an URGENT matter that this be corrected immediately by Ally. Time is of the essence. I am encountering significant damages to my credit score from XXXX as a result of this account still showing on my credit report with them. Please have this removed promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I received a letter from ALLY Financial dated XX/XX/2021 regarding a due amount. Upon receipt, I mailed a validation and cease and desist letter to them by certified mail dated XX/XX/2021 to the address listed on the letter. After 10 days of waiting, no return receipt. I then mailed another validation and cease and desist letter to them by certified mail dated XX/XX/2021 to a different address. I finally received the returned receipt for both letters stamped XX/XX/2021 as the date of delivery. After that time I continued to receive numerous calls even when I demanded them to stop calling, I was told that they did not have a cease and desist on file. This has been very stressful for me and has made it difficult for me to keep up with my work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened two accounts with Ally Bank on XX/XX/XXXX of 2021, depositing {$5000.00} into an interest checking account and {$5000.00} into a savings account. I received a debit card in the mail. After a few weeks I tried my first transaction, which I think was a small debit card purchase. My account was immediately locked for suspected fraud... I received notification in the mail. I phone Ally Bank on XX/XX/XXXX and aske for the fraud department, where I encountered " XXXX, '' a XXXX XXXX XXXX XXXX XXXX employee who would tell me nothing and only said he would send a document upload link via email, then hung up on me. I uploaded all the requested documents, then waited several weeks. Nothing happened. I called back and spoke with XXXX in fraud prevention. She was apologetic, but said none of my uploaded documents were in the file. She didn't know why. She sent me another upload load and promised to track the case to ensure quick resolution. I never heard from XXXX. Several weeks later I called again and spoke with XXXX in fraud prevention. She said none of the documents from either of the two previous uploads were in the file and offered to send me yet a third upload link, but I insisted she stay on the line to verify receipt. We did three sets of uploads, she confirmed she had all the documents from all the uploads, she said they were more than sufficient to prove my identity ( all of these included a photo of me holding my passport, etc. ), and that this would be resolve within 24 to 48 hours. I never heard from XXXX. Weeks later, I called and spoke with a customer service agent who could not transfer me to fraud prevention but said she would try to get someone there patched into the line. She was on hold ( as was I ) for about 40 minutes, then she came back on the line. She said the person she spoke with in fraud prevention would not speak with me, told her not to reveal his or her name, and said someone would reach out to me within 24 to 48 hours, then hung up on the customer service agent in his own organization. She was embarrassed. No one ever contacted me. So I filed a complaint with the XXXX, who forwarded my complaint to your agency on XX/XX/XXXX. I haven't heard from you, so I'm filing a complaint directly here. Your upload system wiped out my entire complaint a few minutes ago, so I've retyped all of this again. Please contact me, and I will provide you with a XXXX link to all the relevant emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: CRASHED MY CAR WITH FULL COVERAGE AND THE DAMAGE WAS MORE THAN WHAT THE CAR WAS WORTH. I HAD GAP INSURANCE INVOLVED ( XXXX XXXX XXXX XXXX ) WHO LEFT ME WITH A {$2000.00} BALANCE THAT I SHOULDN'T HAVE HAD TOO PAY IF I HAD GAP INSURANCE. I NEED HELP BECAUSE ITS MESSING UP MY CREDIT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
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: -I have already two submitted two complaints regarding Ally Financial, but wanted to add that I am not sure who I really spoke to yesterday. A call came to my cell phone number ( XXXX ) on XX/XX/2021 at XXXX XXXX that was labelled " Ally Financial. '' -The person on the line identified himself as XXXX XXXX from Ally Financial. I think he said titling, but am not sure. I knew the name, because that name appears on my title as the " Seller/Agent '' in the " Assignment of Title '' section of the title. - Once the person identified himself there was a pause. I said " I know who you are. '' - When I look up XXXX XXXX online, I find this person working at XXXX XXXX, which appears to be a loan title administration company, that services many lender clients, not just Ally Financial. This is presumably XXXX XXXX 's XXXX profile, which says he is a Title Release Technician at XXXX XXXX XXXX XXXX : XXXX : XXXX - It strikes me as odd that this technician who signed over the title, and has a job of " Accurately releasing automotive titles whilst meeting quota expectations, '' per the XXXX profile, would be calling me, especially if he doesn't even work for Ally Financial. -This same person who called also told me that all his Marketing Team would be on the case for me to try and correct the title, and they'd try to sort things out as soon as possible. - All this was said before " XXXX XXXX '' started asking me impertinent questions about the release of the lien. I said, I wouldn't have the title if the lien were not released. He claimed that he was only trying to figure out the process that Ally Financial used in order to release the title. The title was not released until I hunted it down, on XX/XX/2021. The date of sale is XX/XX/2021. The whole conversation was not pleasant and I knew I was being gaslit, and wanted out. And why would someone who ostensibly worked for Ally Financial in titling would be so confused about how titles and liens work? - Something doesn't add up. I don't think it was Ally Financial calling me yesterday, and it was XXXX, instead. Why is Ally Financial handing over complaints from CFPB to the wrong company? The person on the phone immediately referenced my complaint with the Consumer Finance Protection Bureau. -I wanted protection, and I got further aggravated by someone from either Ally Financial or XXXX. -It 's a simple problem. Fix the odometer reading on the title. Whoever was on the line admitted error and said that they'd use the odometer statement, but then harassed me after promising that. Also, this person asked if I had any receipt or quote of a penalty fee at the Texas DMV. I said, I will have a receipt after they correct the title.
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: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
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: 33404
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went into a company to purchase a car with a check in my hand from my credit union I dont know why the other company are on my report. I made Several attempt to have them removed off my credit report they told me I had to write a letter and then write to the credit bureau to have it remove why I have to write to credit bureaus when they did this without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
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: I have a complaint against Ally Financial that was lodged with CFPB yesterday XX/XX/2021. I got a call from Ally Financial today, and it went well until the end where they were asking me for all sorts of things that were not pertinent to the situation where they put down the wrong odometer reading on my title. It's a mess and am VERY UPSET AND shaken. I was harassed just now by the person who called from Ally Financial. His name is XXXX XXXX. Phone number XXXX, option XXXX, option XXXX, ext. XXXX. His name is on the physical lease of my car that needs to be corrected. He made me very upset and I said, just fix the title. He admitted that an error was made. He started asking me all this stuff about the lien and I said if you have questions, ask the lienholder, XXXX. He refused. I said, I do not work for XXXX. I told him I am aggravated by this conversation and he needs to just fix the title. I DO NOT WANT TO BE CALLED BY THESE PEOPLE. It's XXXX pm CT. I will not be harassed. This is insult to injury.
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: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
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: I had a XXXX lease for XXXX XXXX XXXX. I opted to do a lease buy-out approximately 2 months before the lease end date, with date of sale recorded on title by Ally Financial as XX/XX/XXXX ( for purposes of assignment of title to me, as the new owner ). The lease was through Ally Financial. The buy-out was financed through my new financial institution, XXXX XXXX XXXX XXXX XXXX who are the current lienholders. Ally Financial was very slow in getting me any of the documentation I needed for the refinancing through XXXX. I had to make several calls to Ally, and got transferred numerous times to make it clear that I needed the documentation for XXXX. On XX/XX/XXXX, I made contact with an Ally Financial person who could provide the documentation to release the title ( was sent by email after I hunted it down ). I promptly filled everything out, and sent across successfully to Ally Financial on XX/XX/XXXX. This included the Bill of Sale, and the Odometer statement. On the odometer statement, I recorded the actual on the day, which was XXXX miles. I received from XXXX the physical title for my vehicle ( with the previous owner 's and lienholder information ) around XX/XX/XXXX. The physical title has a glaring error for the odometer : XXXX miles, which was provided by Ally Financial. The first time I saw this error was after XXXX had received the title from Ally, and it got sent to me. I have tried to no avail to correct this with Ally Financial, but was told by them that it was my fault and they gave me the runaround. THEY ARE LYING. XXXX can not help in this matter. It's up to Ally Financial. I believe that XXXX, XXXX was the capped mileage per my previous XXXX contract, and they just lazily wrote that in. They apparently ignored the odometer statement that I dutifully provided them. Now, my car 's value has lost several thousand dollars in today 's market because Ally Financial willfully put the wrong information on my physical title. They were also delayed in providing XXXX with documentation that I needed to file at my local DMV. I went to the DMV today ( XX/XX/XXXX - first appointment I could get over the past few weeks ), and was told that I needed to pay fines in excess of {$100.00} because of the time lapsed between the Date of Sale ( XXXX ) and filing.. My DMVXXXX XXXX XXXX XXXX only allows 30 days to lapse. This is was all out of my control, and not fair. I have tried to petition XXXX to help me, but they are not able, and say it's all Ally 's issues, and take it up with them. I am unable to resolve with Ally.
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: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A