Date Received: 2021-11-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I received a letter dated XX/XX/ application number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are unable open an account in my name dated XX/XX/2021 and they needed further information I did not attempt to open an account didn't apply online or any other manner to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In connection with the latest complaint ( XXXX ) the consumer has also found more discrepancies regarding the agreement of a credit sale within the Code of Federal Regulations. 16 CFR 433.1 Falsified character amounts on previous billing statements that have reflected a positive balance, On contrary Ally stated an amount was owed. This can not hold true as a negotiable instrument was presented by the debtor at the time of signing. Ally and the consumer had an agreement incidental with a credit sale according to 16 CFR 433.1 Ally has not followed the Guidelines set in Regulation Z. During This Credit sale the consumer had given not one but 2 negotiable instruments My Credit card ( SSN ) and my Signatured ( Blank Endorsement ) Promissory note. I have not received any equity in this transaction, I was not Notified of an UCC-1 Lien paperwork holding security interest over the asset, and I have be coerced into deceivingly handing over legal tender not lawful money ( Gold and Silver ) as Ally has illegally Accepted it in connection with the alleged debt collection of this account. Ally Had adverse action towards the consumer by illegal repossession of the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a letter, from the attorneys that sued Ally financial and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2021 My account was placed in fraud status. This is due to the bank illegally obtaining my credit information and illegal down payment information. I was told by a representative that I can not make a payment on the is account unless its a certified check ie XXXX XXXX. My current independent bank is XXXX XXXX XXXX XXXX funds are supposedly not execrable. My credit card used to pay for the car in full was excepted. Ms. XXXX is under Ally Autos Financial and in Charger of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX my vehicle was involved in a hit in run the vehicle was a XXXX XXXX XXXX XXXX XXXX the car was totaled my insurance company paid the total loss of the vehicle XXXX XXXX who paid the amount to the lender Ally financial I contacted Gap insurance I believe the claim was taken care of. One year later, I was informed by XXXX that a new account was on my credit report. Ally financial placed a balance of XXXX on my credit not only did Ally Financial not inform me of this balance existed. I was never informed nor was I given a chance to provide proof to the insurance company of the payoff not only did this drop my score my 60 points I spent over a year disputing this account if the insurance company did not pay the balance I should have been able to make a payment plan however this amount needs to be written off the gap insurance contacted Ally if they did not respond within the time frame I should not be held accountable. I sent numerous documents to XXXX that showed. I did not owe this balance. I believe this account was resolved it shows up on my credit report as account closed yet this is not correct. I recently found out after having my credit report ran several different times that this account is showing up as a negative remark and this has caused me not to be able to get financed for a vehicle. I spent countless time building my credit and Ally Financial has caused me great hardships and embarrassment. I work on on building up my credit there is not a lending company that will finance me unless the payment is extremely high. I spent a year trying to remove this mark off my credit report Ally Financial has bullied me and ruined by credit I've been trying to get my credit back since this incorrect has been placed on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report shows my auto loan from XXXX as a missed payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Th auto loan hard inquiry was NEVER authorized by myself. I ONLY gave consent to XXXX XXXX Auto Fianc to obtain a copy of my credit report per a pre-approved offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Me and my family have had severe cases of XXXX XXXX we were off work an ally financial reported late pays after I notified them we were very sick .I was hospitalized for 21 days an my daughter has been in an out of hospital with covid an she is 5 months pregnant I ask ally if they could remove the late pays an I was told XXXX it will take 30 to 45 days it is 80 days later an it has not been removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I reached out to Ally Bank to refinance my current mortgage. After speaking with their representative I was encouraged to apply online. I did explain my income and current employment situation. I received help to completing the process. After I completed the process they said I had to pay for an appraisal to lock in the rate and terms of the loan. So, I paid {$550.00} as they requested to secure an appraisal. I later received a copy of the appraisal stating that the cost was {$350.00}. Around the same time I got an email stating that I did not qualify for the loan. I asked for a refund for the appraisal and was denied. I also asked for the difference of what I paid vs. the cost stated on the appraisal. Later I was told by XXXX XXXX ( Processing Expert/XXXX XXXX ) that the cost was {$510.00} so they gave me a refund of {$40.00}. I provided her with a copy of the appraisal showing the cost of {$350.00} on the document. She stated that she would get back to me and I haven't heard from her since XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A