Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I never received full disclosure from Ally Financial prior to taking my vehicle. I attempted to contact them to find out if they closed my account and reported false information to consumer reporting agencies. They provided an address where they were unable to be reached. I was never fully informed as my questions were not answered. As of right now they are still making inquiries and reporting an account that was created with Truth In Lending Act violations 15 USC 1611. They received over {$10000.00}. in the form of down payment to dealership and monthly payments received via ACH under false pretense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
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. I have a loan with ALLY FINANCIAL XXXX Balance -. I have always made my payments on time yet there was a 60-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I voluntarily turned in the vehicle couple years ago, I do not recall the exact date, I believe it was XXXX or XX/XX/XXXX. They sold the vehicle and sent me letter stating that I still owed $ XXXX, I do not recall exact amount however they did not supply accurate information to solidify the balance they said I owe. The account was charged off, however Ally continued to report negative status to all 3 credit bureaus which in turn has crippled me from being able to purchase a home. I've been renting and being faced with the owners either going through foreclosure or deciding to sale. Leaving me to have to figure out a new place to stay in a short amount of time. I really need to purchase a home and this item on my credit is causing lenders to steer away from approving a mortgage because of XXXX XXXX XXXX XXXX XXXX. When I tried calling Ally to request that they keep it as a Charge Off and not currently report a balance with a current date, as the lender requested I do. Ally just sent me to a collection agency. A few months ago, I received a class action law suite notice that I'm affected by due to Ally sending improper notices to the consumers with inaccurate information. One of the Settlement Benefits is Credit Bureau Reporting. Ally will request within 120 days from final judgement that the three nationwide consumer reporting companies ( XXXX, XXXX, XXXX ) " delete trade-line information on my ( the consumers ) credit report related to my activity with Ally this is the subject of this case. '' The final judgment was on XX/XX/XXXX. The 120 days verbiage is at the bottom of page 15 on the Settlement Agreement document. I am requesting that they submit the deletion trade-line information on my 3 credit reports now oppose to processing my on the 120th day since the court order ( judgement ) specifically says " within '' 120 days after the effective date. I can attach a copy of the Class Action Notice, Settlement Agreement, and Final Judgement. Also, this information is listed on : XXXX. The attached documents do not have my personal information on it. If that is needed in order for them to find me, I am willing to provide information needed to resolve this problem as soon as possible. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85310
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: On XX/XX/XXXX, I received notification from the GAP insurance that they paid an additional {$600.00} to Ally Bank in reference to the XXXX XXXX XXXX that was destroyed XX/XX/XXXX and subsequently declared a total loss. After being told over the summer by an Ally Total Loss respresentative, Diamond, that if the account was overpaid, I'd receive a refund check within XXXX business days, I was told on XX/XX/XXXX by Cherry ( Reference : XXXX ) that it would now be 60 days until the check was sent. I explained that I would be moving prior to that time and she stated she would have my check expedited and I would have it within 2 weeks. On XX/XX/XXXX, I called and spoke with XXXX who confirmed the check has not yet been issued, 2 weeks later, and that it takes 30 days normally for the check to be issued. Later in the conversation, XXXX stated that it takes 55 days for the check to be issued. Their stories are inconsistent. They had NO problem taking my money within 48 hours when I was forced to pay off the loan to stop interest from occurring after they failed to properly and timely withdraw the money to pay off the loan from my dealership, but now they can't send me my money back in a timely manner after they have now been overpaid again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73069
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've asked Ally 3 times now at this point to remove a dispute that I had on my account reporting on XXXX. My loan officer told me this would impact my ability to qualify for a mortgage if I keep the dispute on. Despite the multiple attempts calling Ally and speaking with 3 different supervisors who refused to give me a direct line, they are directly impacting my ability to buy my first home since they didn't do their jobs. I'm not sure what else to do and I don't understand why they're not removing my dispute. They keep telling me they have to submit a back office request that just sits in this queue waiting to be assigned to a representative. These calls occurred on XX/XX/21, XX/XX/21, and XX/XX/21.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned company requested that I co-sign for XXXX XXXX because he did not have enough credit. They explained that everything would be in this name and I would only be responsible if he did not make to payments. He is doing well in his position so I came to Md. to sign the papers on which I was secondary. Before I signed the paperwork he had purchased insurance and afterward had the window tinted. Once I returned home the dealership asked me to come back and sign a document requiring the vehicle to be housed in NC where I live. My son lives in Md. This was never a requirement and how would we do such a thing when he would drive the vehicle in Md. I was told Ally financial is requiring this. It made no sense to me and I declined to do so. Therefore they requested my son bring the vehicle back which he did. Since that time Ally has called my job to collect a debt. In the police department on a recorded line. Sent my son and me collection letters and demand payment of a vehicle we return within 2 weeks of attempted purchase. Ally Financial and XXXX XXXX XXXX XXXX Md. I reported no payment to the credit bureau and harassed my son and I. We have not had the vehicle since XXXX XXXX payment was due XXXX. Now 2 payments. This is not acceptable,
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: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hi yes I tried contacting ally corporate about seeing if I can get 2more months extension on my XXXX XXXX XXXX. They did give me already 2prior exstentions due too financial hardship with medical bills etc. I'm hoping I can get XXXX and XXXX exstentions without the up front fees. Last exstentions they waived the up front fee because can't afford the feds. Hoping too get 2more exstentions without up front fees. The person I talked too last time told me he would check with dept manager. The manager approved my exstentions without up front fees. Manger sent me letter in mail for me too sighn which I did at that time. I should be all caught up on bills by XX/XX/XXXX. I also was diagnosed with XXXX. I'm on XXXX just going thru hardship right now. Living paycheck too paycheck. As it stands right now can't make XXXX and XXXX payment due too hardship. Again I tried calling corporate 2times no call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44512
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally Bank didn't follow clear instructions on two forms to wire funds and claims to have sent funds via check. The check is still not received after 12 days. Many other mistakes were made and I still don't have access to my funds. I had a {$100000.00} CD in a Roth IRA about to mature on XX/XX/XXXX. I wished to have the funds wired to my brokerage upon maturity. Because I don't know the procedure, I called Ally and was told to arrange the rollover through my broker which I did on XXXX. The broker 's form didn't have wire instructions, so I called Ally and they instructed me to fill out and submit a DOMESTIC WIRE TRANSFER REQUEST and instructed me to submit it independently which I did XXXX. I proactively called to confirm that everything was in order and was assured it was. On XX/XX/XXXX, my funds did not arrive as expected. On XX/XX/XXXX I called to inquire and was told by XXXX that the funds had been sent by check ( even though there was no address provided by me ) and that the check would be received that day. It was not. I called back XX/XX/XXXX and talked to XXXX and insisted that a new wire be sent immediately and was told the procedure requiring an affidavit and indemnification and a 4-day wait period. She said she escalated my case and I'd hear back in 1-3 days. I did not hear back so I followed up and the escalation was set incorrectly, so it had to be restarted. When I finally heard back ( XXXX ) XXXX said Ally was working on getting the check back which I never requested and it would delay things further. He acknowledged Ally 's errors but said there would be no compensation. Even the lost interest, which is minimal, would require a lot of work on my part. I see that Ally has many complaints here exactly the same or similar to mine, averaging over one a month this year, and that's just what's reported. They clearly don't take this issue seriously or perhaps they are doing this intentionally to delay disbursing funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Pursuant to Ally v, Alberta Haskins ended in a settlement due to same conduct of unfair debt collections practices pursuant to 1016.3 ( b ) ( 1 ) ( 2 ) ( i ) ( A ) ( B ) ( C ) ( D ) ( E ) ( F ) Ally Financial DBA Ally Bank Never used a clear and conspicuous notice Refused to send documentary evidence and validation and still repo a vehicle that was never in there possession i sent them, a UCC 11 Lien search and they never produce a valid lien Pursuant to 15 USC 44 and 31 USC 3733 ( l ) ( 5 ) XXXX XXXX XXXX XXXX is the only party on contract as Seller and Creditor They went Bankrupt and ally is trying to enforce a contract that doesn't exist Allegation ( s ) : Ally Financials repossession notices handed out to their banking clients did not meet the laws standards. Pursuant UCC 9 the promissory note was legal tender an acceptable form a payment through my signature that the original creditor was paid i never received an acknowledgement if a UCC was files im requesting the ally financial to provide the note and documentary evidence AFFIDAVIT OF XXXX XXXX ENCLOSED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A