Date Received: 2021-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX : Vehicle accident in XXXX XXXX AZ. XXXX XXXX XXXX. XXXX XXXX XXXX declared total loss and negotiated with Ally Financial Inc . XX/XX/XXXX : Ally sent Letter of Guarantee to XXXX XXXX stated net payoff amount of {$15000.00}. XX/XX/XXXX : XXXX XXXX mailed check in amount of {$15000.00} to Ally. The check was cashed by Ally. XX/XX/XXXX : Ally Financial Inc. deducted {$390.00} from my checking account after payoff settled. I telephoned Ally and XXXX to no avail. I requested a refund of {$390.00} that I believe was taken after the fact and is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 865XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a California stimulus check using e-deposit on or about XX/XX/21. I endorsed the check electronically because I am XXXX and a senior citizen. Ally bank locked my account to investigate fraud. They said the funds would be release in a week then a month. I don't why they keep lying to me I have called the bank at least 5 times but they will not let me talk to the investigator. They keep saying she will get back to you but she never does. As I said I am a XXXX senior citizen and I need my money to for medicine, food and rent. I have not done anything illegal and no one will help me. Please contact them ASAP, I am sure this will solve my problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Had a one Payment extension Last year due to the COVID-19 pandemic Now Ally auto financial didnt keep their promise about putting the car payment to the end of the contract Ally auto financial is using harassing tactics phone calls every day on the weekends even call my job Multiple times they have threatened with aggressive letters as well upon checking my bank statement all payments have been on time i use my vehicle to make my income also they reported to the credit bureaus that Im 60 days late which is not true now I cant get any Business credit they added numerous late fees which is not true
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THE FOLLOWING INQUIRES ARE FRAUDULENT. I DID APPLY NOR AUTHORIZE ANYONE TO APPLY ON MY BEHALF. PLEASE DELETE IMEEDIATELY AS THESE INQUIRIES ARE IMPACTING MY XXXX XXXX. ALSO, THE FRAUSTER IS USING THE EMPLOYMENT " XXXX XXXX XXXX XXXX ''. I HAVE NEVER BEEN EMPLOYED BY THIS COMPANY. XXXX. ALLY FINANCIAL ON XX/XX/2021 XXXX. XXXX HILLS XXXX ON XX/XX/2021 XXXX. XXXX XXXX XXXX ON XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 ' XXXX. XXXX XXXX XXXX ON XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been banking with ally bank for about 2 years now. I recently began experiencing issues with identity theft as well as unauthorized usage. I follow the baking rules and file the claim online and submit statements in writing with regards o what I think occurred. This last time I was violated in early XXXX and filed a claim. I was told my new card was ordered and on the at. I started receiving notifications before XXXX XXXX that my card was being declined for charges. I went to check online to see what occurred only to be told that my account is locked and I have no access. I reached out to ally bank and spoke with an agent who asked a series of questions and assured me that by Monday of the following week, I will have access or someone will reach out to me. I didnt hear anything and reached out again and was told it may take an additional week, I called this morning and spoke with an agent named XXXX who advised me that there is no timeframe and I will just need to wait. Meanwhile I have no access to my funds. I asked what is going on and the agent hung up the line. I called back and spoke with investigator XXXX who advised that there is currently a filed dispute with ally bank. She looked at the account overall and the checking account over the past 6 months it had been many disputes. I explained to XXXX that I am a victim of identity theft and went through a similar occurrence with XXXX XXXX XXXX. She continued to ask routine questions and then moved on to advise that with the loss prevention department, they dont have any process or handle with disputes. There was no regard for what I advised and she just explained that this process is not familiar and they are concerned with fraud and security but not me as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A claim was submitted on XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX for wrongful credit reporting acts according to FCRA guidelines, violations of the SCRA and violation of OCC charge off guidelines by National Auto Finance Company. The Case numbers are XXXX and XXXX. Ally responded for the complaints on behalf of National Auto Finance Company and deleted the trade line from XXXX XXXX XXXX credit profile ; however, DID NOT delete the trade line from XXXX XXXX XXXX credit profile. The account in dispute was a joint account and the non-monetary relief should have been for both credit profiles. As of XX/XX/XXXX XXXX is showing 2 separate charge offs for XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX which is clearly an additional violation of FCRA as Ally responded on XX/XX/XXXX on both cases that they requested the consumer credit reporting agencies to update their records regarding the account and have the trade-in deleted based on the date of the first delinquency. This action was only requested for XXXX XXXX XXXX and not for XXXX XXXX XXXX which needs to be rectified immediately! This was a joint account the same non-monetary relief should have been given to the co-applicant, XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information That is being reporting. Please remove this from credit report has it is not accurate. This is effecting my life having this on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have already 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. This is unacceptable! Please fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72404
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: XXXX was closed out prematurely and inappropriately by XXXX with Ally. After my inital complaint regarding Ally prolonging my refund, they are doing it again. I received the initial check on XX/XX/2021. Ally received an additional payout from XXXX insurance of {$600.00} dollars AFTER the XX/XX/2021 check. Since I was forced to pay off the loan in XXXX due to Ally 's delayal tactics and refusal to do their job, they now owe me an ADDITIONAL payment. It took XXXX a week to find the {$600.00}. XXXX verified on XX/XX/2021 that Ally did receive the {$600.00} XXXX payment on XX/XX/2021 and that they owed me an additional {$600.00}. Now, the complaint has been closed with her stating they do not owe me {$600.00}. I have been told my multiple people at Ally, the refund would take anywhere from 10-60 days. I was told twice, the {$600.00} would be expedited and mailed within 14 days in XX/XX/2021. I can not get a straight, truthful answer nor have I received the refund 64 days later. XXXX, herself, stated it is normally 30-45 days. After the complaint was closed, I called and left a message on XX/XX/XXXX and have not received a call back. If XXXX can't complete this complaint in a TIMELY and APPROPRIATE manner, someone who can complete this complain in a TIMELY and APPROPRIATE manner needs to take over. I will continue to file complaints each time a complaint is inappropriately closed out until I receive the final {$600.00} payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A