Date Received: 2021-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I scheduled an appointment with an auto dealership to discuss the possibility of leasing a vehicle. The salesperson requested I complete the credit app in advance but ensured me he would not run my credit until the appointment. The morning of the appointment, I cancelled the appointment & requested he shred the credit app. Then, I received notification that the salesperson dishonestly ran my credit the day before the appointment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95356
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
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/XXXX I closed a mortgage refinance. A condition of this loan was that I pay off my car loan financed with Ally Financial. Rather than ask for a payoff amount, the mortgage company took the payoff amount from the credit bureau report, which was 2 months behind. Additionally, there was another payment due, which I paid as directed, even though I knew the loan was overpaid and would be paid off before the next payment was due. The check was payable directly to Ally Financial. My loan was paid in full on XXXX XXXX, XXXX. I called when I saw the loan was paid online, and was told the overpayment was {$1200.00}, and it would take about 18 days to get the check in the mail. I waited the 18 days and called again. This time I was put on hold, and after a long pause was told that the previous representative was mistaken. It could take up to 90 days to get my overpayment returned to me. This is ridiculous. This is my money. I never was late with a payment, I kept my agreement with Ally. How can they keep my money? Since that time the title has been returned to me, I received a refund of the XXXX insurance for {$250.00}, but no refund for the overpayment of my loan. I called again, and was told it could be another 60 days. Really? How can this bank keep my money? Are they going insolvent? Have they spent MY MONEY and can not send it to me? I am paying interest on this money, since it is now a part of my mortgage loan, but I do not have use of it. Ally should be paying me interest. I made such a fuss to the representative that she put me on hold and said she asked it this could be expedited, and was told no. I would think banks would love a client like me, but I will never finance a car through Ally again. If this is the only bank a dealer has to offer, I would walk away from a deal because there is something very wrong with Ally Financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60491
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ALLY FINCL & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
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 am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ALLY FINANCIAL SERVICES HAS REPORTED OVER 30 DAYS OF DELINQUENCY REDUCING MY CREDIT SCORE OVER 30 POINTS. THIS LOAN WAS NEVER FINALIZED AND THE DEALERSHIP RECEIVED THE FUNDS AND KEPT THEM OVE 60 DAYS WHEN THE VEHICLE WAS RETURNED IN 3 DAYS AND THE DOWN PAYMENT OF XXXX WAS SURRENDERED TO MY SON XXXX XXXX. I HAD BEEN TOLD BY ALLY 'S COLLECTION MANAGER THAT THIS WOULD BE TAKEN CARE OF AND THE CREDIT BUREAU WOULD BE CONTACTED AND I WOULD RECEIVE A LETTER STATING THE THE MISTAKE WOULD BE CORRECTED. INSTEAD, I HAVE RECEIVED XXXX LETTERS FROM ALLY AND A XXXX $ REFUND CHECK A NOTICE TAKING ME FOR PAYING THE LOAN WHICH I HAVE NOT CASHED BECAUSE I DID NOT PAY THE LOAN OR DID I AGREE TO THE TERMS OF THE LOAN. WITH THE CALLS AND LETTERS AND HEADACHES THIS HAS CAUSED THIS SHOULD BE REFERRED FOR LEGAL ACTION. NO ONE SHOULD BE PUT THROUGH WHAT THEY HAVE SUBJECTED MY SON AND I TO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ALLY FINCL XXXX Opened : XX/XX/2013 XXXX XXXX : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinance home loan with cash out to add a addiction to my current home. I ask ALLY BANK to assist me on the process. I submitted all documents and paid for a appraisal. The appraisal came bank and we supposed to be going to underwriting for final process. Well I been speaking to representative on the XXXX XXXX that cant not disclosed loan information to me or my accounting. That was a red flag and why im reaching out for help. I submitted all documents and Ally ask me to secure {$15000.00} before closing. I think this practice is recipe for disaster for my family. The interest rate is way to high 4,5 %. The new mortgage payment is {$2400.00} I'm currently paying {$1800.00} a month. My current mortgage is {$210.00}. I need assistance o what's my rights and why I'm being drag out on practices that only benefit them. Ally XXXX XXXX XXXX Mortgage is XXXX companies and im very confused on who is what and who mange my documents,
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I entered into a contract to have my negative account deleted off my credit reports after I paid the entire balance of the account. the part of the agreement that was supposed to be upheld by the company has not. Therefore they have breached the contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of 72 months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on XXXX at XXXX XXXX, I received a noice XXXX XXXX XXXX. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. I sent you all documents that the request will be processed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX I bought a car at XXXX XXXX Dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With VIN : XXXX, finance by Ally Financial for the amount {$30000.00} for a period of XXXX months payment {$52000.00} per month. Unfortunately, The car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at XXXX XXXX, I received a noice Bing bing bing. theres something rubbing inside the steering wheel that spreads all the way the wheel whe I am running on Highway. To resolve the problem, I returned at XXXX XXXX XXXX on Sunday XX/XX/XXXX. I would like for you to replace the car with a new one thats not defective.I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX Ones given to me an appointment in a month. I called the dealer on phone to tell them the appointment is for XXXX month. I look forward to your reply and a resolution to my problem, and will wait until XX/XX/XXXX, XXXX car was returned to the XXXX on XX/XX/XXXX, the dealer refused to return the plate to XXXX. I canceled the insurance ( XXXX ) and I called Ally Financial to make aware the car has been returned. In a letter dated XX/XX/XXXX, Ally Financial has the vehicle. The car has been sold on XX/XX/XXXX by Ally Financial. In my credit report Ally Financial reported balance {$310000.00}. I am writing to complaint for XXXX car dealer and Ally Financial for the wrongs they caused me. I sent you all documents that the request will be processed. Your immediately attention to this matter is appreciated. Sincerely XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A