Date Received: 2021-11-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are some negative Items in my credit report and dont belong to me XXXX XXXX Account Number : XXXX ALLY FINCL Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial keeps badgering about my XX/XX/2021 payment for XXXX which I owe. I paid {$190.00} on XX/XX/2021 and I paid {$300.00} on XX/XX/2021 The Payment for XX/XX/XXXX was for XX/XX/2021, which Ally Financial is not applying to my account ; causing my account to appear as if I did not pay for XX/XX/2021. Altogether I paid : XXXX XXXX [ XXXX ] which is 2 months payment in XX/XX/2021 and now they are demanding {$130.00} more.
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: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: The charge off amount on this account is paid off by the insurance company and now that it has XXXX balance it needs to be removed from credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06825
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: At the bottom of this I'll share this message between myself and Ally Bank around an XXXX loan- you can ignore the parts about a bad policy and how they can act as a better company by following their published core value - " Doing it Right is the core of who we are. '' and focus on the elements about the {$600.00} credit balance and their XXXX day policy on refunds. I consider myself an agent of change and always believe in " Doingtherightthing ''. For me this wasn't about money, it's actually about somebody in the same situation who can't afford to have essentially that money in limbo because a financial institution that believes the have the right to use settled funds ( paid in full by my banks to them ) for up to XXXX days. I'm going site XXXX sections of XXXX XXXX Part XXXX - Truth in Lending ( Regulation Z ) as reference : Subpart C - Closed-End Credit XXXX XXXX When a credit balance in excess of {$1.00} is created in connection with a transaction ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of a consumer ), the creditor shall : ( a ) Credit the amount of the credit balance to the consumer 's account ; Official interpretation of Paragraph XXXX ( a ) Show ( b ) Refund any part of the remaining credit balance, upon the written request of the consumer ; and ( Look at latest version you end in an AND statement ) That is a problem - and companies are using it to their advantage! Let me use this for a XXXX XXXX as a reference to show what should likely be published " Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer '', full detail below : XXXX XXXX - XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Official interpretation of XXXX ( a ) Credit Balances Show ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; So as of right now Ally is playing phone tag with me just escalated up the number from below to the the next supervisor - XXXX minutes later I am hanging up. Call me XXXX, this isn't ok, and the less fortunate are being taken advantage off. Regards, XXXX XXXX Transcript of online emails with Ally and Myself- From Ally XXXX XX/XX/21 Hello, We received your message. Due to the nature of this request, we need to speak with you by phone. Please call us at XXXX ( XXXX ), Monday - Friday, XXXX am - XXXX pm ET and Saturday XXXX am - XXXX pm ET. XXXX Sunday. Sincerely, Ally Bank If you submitted more than XXXX request, you may receive additional responses in a separate message. To Ally Auto XX/XX/21 Id apologize to whoever was messenger as I am sure even writing that message makes you cringe, but since its signed Ally bank Ill just say, look at my communications with you and Im at this point just baffled why you would just not even try to retain a customer like myself. Final thoughts thanks for letting know that as a bank you will sit on $ XXXX collecting interest on those fund for up to XXXX months, thats just bad business on your part. You have the ability to send those funds the moment the loan is paid off in full. I worked extensively in finance at a different point in my career. Ill say this you should use my message as a bold eye opening experience on how you are not maximizing who you could be. Basically your not doing the right thing, that is bad policy, you could have easily retained me, I guess your bad policy stopped you there too. Right up until the moment you chose to use we are backup we up as an excuse, I would have overlooked your lack of response time to my payoff quote, literally forcing me to make an extra payment full knowing I was refinancing ( at 1.4 % come on, you know where interests rates are ), was that a calculated decision, was it bad policy, or a bad business model? Guess this is why Ally is no longer going to be someone I do business with. Good luck in the future I hope you can learn from this - Im still undecided whether I share my experience to others or not - will see how long it takes you to clear out your backlog, is your software that bad? I mean you process my payments immediately, reality is your taking advantage of the times, this is not a people problem. Anyway have fun and have happy XXXX, I know I can look in the mirror today, tomorrow hopefully the rest of my life because I am Choosing to do the right thing. Fact Im not missing out on feeding my kids or sending them to a sports camp, visiting finally my parents that I havent been able to see due to XXXX and now dont have the money for that ticket over the holidays- at the end of the day Doing the Right Thing which includes calling out some very bad business policy on your part has helped me be successful. So Be Bold expect more as a company, the right customers are out there, I was one just not me anymore, I went from customer to could have been an advocate, to well you decide where I go from here. Regards- XXXX XXXX XXXX Ally Auto XX/XX/21 Hello, Thank you for your message. Any overpayment will be refunded back to you in the form of check. If the overpayment amount is {$100.00} or more, there will be XXXX calendar days for processing, then XXXX to XXXX days for manager approval, XXXX to XXXX days for check supplier to cut and mail check and finally XXXX days for mailing time. Otherwise, it will be issued automatically the day after the payoff posting date. However, our Refund Team are currently behind due to higher than the normal volume and it will take for them at least 55 days to process the refund and to release the check from the normal processing time. Sincerely, Ally Bank If you submitted more than XXXX request, you may receive additional responses in a separate message. To Ally Auto XX/XX/21 As a result of my payoff and timing of last payment, I believe I have a negative balance, what is the process and timing for that over-payment to be returned to me? Thanks for your help and business. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: Ally Bank did not protect me fraud. My friend 's financial advisors instagram was hacked and they tricked my friend into thinking her XXXX app had more money in it do to an investment. The hackers pretending to be her financial advisor then asked her to make a video of how amazing she is as a financial advisor. Immediately after my friend posted the video the hackers took over her account. The hackers took advantage of the the conversations they now had access too and many of us sent the money via XXXX. I contacted Ally Bank, as soon as, I found out assured me it would be okay. They told me it would take up to 10 business days, provisionary credit of {$2000.00} back into my account and told me to wait. I expressed I was concerned over the wait period because of the fraud situation and they assured me this is the process and I shouldn't worry. After no commutation for a couple weeks {$2000.00} was withdrawn from my savings account. I called immediately and was passed from person to person for about two hours. The notification was in a " Notices '' tab in an odd spot under my profile and settings tab, would have never known to check their if they didn't tell me. The notice stated " The disputed transaction was completed with a merchant with whom you have an established relationship. '' The reps on the phone said this was because I made the transaction on the app that I had made many transactions from. This makes no sense and the broad statement of the notice does not align with the issue of fraud. I was met with vague answers on why this conclusion was reached, that there is nothing more they can do once the conclusion is reached. The forms they sent me to fill out did not align with my situation. I tried to express this to customer service reps multiple times. When the disputes rep called me I felt like she was confused and not fully listening to my statement. She kept asking me who I wanted to send money to, I kept responding that it was fraud. The notes kept on my claim were not accurate. The last rep I spoke with told me what was relayed on to XXXX as the issue, I said that was inaccurate and he said " they got the general gist. '' Three different customer service reps were confused my the comments being kept and even said the forms and their process is not equipped to handle fraud situations like mine. This is simply unacceptable. It is not Ally Bank 's fault I was a victim of fraud, however it is their job to protect their customers and to handle claims of fraud seriously and accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 825XX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
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 ( XXXX ) 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 XXXX 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 XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The 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 XXXX 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 ( XXXX ) 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 ( XXXX ), before the end of the XXXX 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. XXXX. ALLY XXXX & {$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: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 and XX/XX/2021, I had XXXX fraudulent ATM withdrawals from my Ally Bank Checking account. I immediately reported it to the bank and had my bank card cancelled. The debit card was in my possession the entire time. I also immediately contacted the XXXX XXXX Virginia police department, specifically the Financial Crimes Division. A case was opened and assigned to XXXX XXXX XXXX. They believe my card was " skimmed '' and my card number and PIN were compromised. I also immediately contacted the XXXX store where the crime occurred. They reviewed the video footage and did see the perpretrator, which they confirmed was NOT ME. Here is a timeline of the transactions. All in all, XXXX transactions were made illegally. There were multiple other attempts, but they were unsuccessful. All XXXX transactions listed below are at the same XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX Cell On XXXX, XX/XX/XXXX, I never left my home, yet the following transactions occurred : XXXX ATM- {$200.00} XXXX PM-SUCCESSFUL XXXX ATM {$400.00} XXXX PM-SUCCESSFUL XXXX ATM {$380.00} XXXX PM-SUCCESSFUL Overnight, at XXXX AM, XXXX XXXX -DENIED-Wells XXXX ATM XXXX {$400.00} LOCATION : XXXX XXXX, XXXX VA ATM ID : XXXX XXXX XXXX ATM XXXX {$300.00} XXXX : XXXX XXXX, XXXX VA ATM ID : XXXX Sunday XXXX XXXX XXXX XXXX -DENIED-Balance Inquiry-CVS XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX ATM {$380.00} XXXX AM-SUCCESSFUL XXXX ATM {$400.00} XXXX AM-SUCCESSFUL -- XXXX ATM- {$200.00} XXXX XXXX XXXX ATM {$400.00} XXXX AM ( Withdrawal Amount Limit Exceeded ) I left my home for the first time all weekend at XXXX Sunday the XXXX. I purchased groceries and then I checked my balance and this started the entire fiasco. I contacted my bank and had the card deactivated, then I disputed the XXXX ATM charges in question. I then filed a form with XXXX Police after talking with Ally Bank. Then, after my bank had turned off the card, the perpetrator attempted to use my cancelled card again. Monday, XX/XX/XXXX -DENIED CVS STORE ATM WITHDRAWAL-Denied by Card Issuer XXXX -DENIED CVS STORE ATM WITHDRAWAL-Denied by Card Issuer XXXX *******Lastly, from XXXX AM on XX/XX/XXXX to XXXX AM on XX/XX/XXXX, there were XXXX denied transactions from : XXXX XXXX, MI ATM ID : XXXX I XXXX XXXX the verification letter from the XXXX XXXX Police, along with the Detective contact XXXX XXXX Subsequently, Ally Bank, despite there being an ONGOING criminal investigation, denied my claim. They initially gave me a provisional credit for the charges, but then subsequently took back the credit and denied my dispute. I have appealed it multiple times but they continue to deny it with no credible reason. They have REFUSED to speak to the Detective on the case, despite there being an open investigation. The police believe my card was " XXXX ''. The video footage shows that the perpetrator was NOT ME. The photo 's have been distributed nationwide, per XXXX XXXX. I am the victim of a crime. My bank did no investigation and refused to help me. I believe that the facts show that Ally Bank, blindly rejected my dispute, in the interest of not wanting to credit me with the funds stolen from my account. The reasons they provide for rejecting the dispute are not beared out by the facts. Multiple transactions were attempted in the days following the report.of the crime. Ally Bank claims, despite the evidence showing it, that no other transactions were attempted after the crime occurred. They also claim the transactions were not suspicious, and appeared normal. XXXX {$2000.00} were stolen from me. If my bank did not have a daily withdrawal limit, more would have been stolen. ATM transactions were attempted AFTER I reported it. Several were rejected because my daily withdrawal limit had been met. XXXX consecutive transactions were attempted and DENIED, XXXX days after I reported the incident. My bank claimed to conduct an investigation, yet they did not. They denied my dispute and promised to send me documentation as to why they denied it. They never sent me the information, despite demanding it twice. I feel victimized by the criminal who stole from me, and also by my bank, which turned a XXXX eye to my plea for help. They repeatedly refused to contact the police to discuss the case. They promised me documentation and did not provide it. The also rejected my appeal of the dispute and never notified me in writing, despite being required to do so. I will atttach all pertinent info. The detective info is below : Detective XXXX XXXX # XXXX, XXXX XXXX XXXX Police Department XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XXXX XXXX credit sale agreement occurred at XXXX XXXX for a XXXX XXXX XXXX. XXXX XXXX XXXX Ally bank via telephone call that I was XXXX XXXX and was being relocated had to do voluntary repossession I gave location on where to pick up vehicle and point of contact on how to get the keys. I also gave them updated address mailing address in which they said they would put into the system. XXXX XXXX I called again to Ally financial to reiterate what I said in XX/XX/XXXX and they promised to fix it and update information. Because my point of contact notified me that the vehicle has still not been picked up by the creditor. XXXX XXXX still did not fix my updated information and did not pick the vehicle up. Which has now been XXXX months since original contact. ( 120 days ) XXXX XXXX I was called by Ally and was told that a judgment was going to be placed in my name if I didnt turn the vehicle over or make a payment. I told them back in XXXX that I tried turning the vehicle over. But Ally never picked the vehicle up. XXXX XXXX Vehicle was finally repossessed I was not notified via mail nor was I given the proper paperwork to retrieve my personal items which I only had a few. The judgment that was pending was dropped since they recovered the vehicle. I didnt find out until my point of contact who I gave my keys to back in XX/XX/XXXX called me to tell me he was contacted to meet them at a dealership in XXXX to drop the vehicle off and hand the keys over. XXXX XXXX No court order was provided since I was XXXX XXXX until XX/XX/XXXX they were still required to comply with the XXXX XXXX XXXX XXXX which they violated. Since the loan was done while I was on XXXX XXXX they were still required to uphold that law during the term of the loan. I then had to call Ally to find out if I owed a balance or not since no paperwork was ever sent to me then I tried giving them my updated mailing address for another time. XXXX XXXX Ally reported to all three credit bureaus different status dates and marked it as a charge off with a balance and failed to disclose to credit bureaus ( XXXX, XXXX XXXX XXXX XXXX that they sold the account to a third party collection company without my permission. They did not list the name of the new creditor who bought the account and reported late history that was inaccurate. As well as listing it on my report as a installment or auto loan which is a incorrect name for the account. It should have been labeled credit sale agreement since it was done in a dealership. XXXX XXXX I contacted Ally to request all notices be sent to me since I never received one I explained that they have not updated my current mailing address after multiple times calling in. Since I failed to receive notice and everything else above from reporting inaccurate information to the credit bureaus is a violation of my rights and the FCRA. I am filing a complaint against the creditor to remove and delete this false information off my report or I will pursue legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78382
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, 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 XXXX days and I have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I received a statement from Ally regarding the final payment for my stolen XXXX XXXX XXXX. XXXX processed a claim in the amount per the XXXX XXXX value and thankfully my lease contract had Gap protection built into the plan leaving me only with the insurance deductible of {$500.00} dollars and unpaid late charges of {$120.00}. Upon making my payment I asked the rep if the late fees could be reduced or eliminated She informed me that yes she could take some money off of the late charges but not the insurance deductible as that is what is required per the contract. I thanked her and paid the new amount. A few months later I checked my credit report and it stated that my account was " Paid in full for less than the full balance. '' This is inaccurate as I never paid a reduced amount on the final monthly payment of {$560.00} nor the {$500.00} insurance deductible, only the late fees. Late fees are a penalty to get me to pay and were never referred to or listed/included under the Total loss provisions of the contract. Furthermore, the representative never made mention that by reducing the late fee, my credit report would be negatively impacted and listed as Paid in full for less than balance owed. Ally had a duty to notify me of such to allow me to make the decision to proceed and they failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A