Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Inquiries for the same purpose made within a short time frame are generally considered " rate shopping '' and not to be reflected twice on a credit inquiry. I did not authorize all of these inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27030
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Company data and account with loan to paid to lease account to the vehcile account or data. Reinstate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Mortgage has fallen behind by 2 months, I have been making payments every month but unable to catch up with additional 2 payments. In the past I have contacted XXXX and advised them that I am trying to catch up but in the meantime I can make the monthly payments. XXXX advised me that as long as I maintain the monthly payments I should be ok until I am able to catch up however, they did say they could send me paperwork to push back the past due so that the account comes back to current. I had accepted this and received the paperwork which needed to be notarized. Prior to them sending out the paperwork I had advised XXXX the my wife who was on the paperwork had passed away from XXXX on XX/XX/2021 and that they should resend paperwork with only my name. XXXX would not resend me paperwork with just my name nor would accept her death certificate to have onfile, this presents a problem when trying to get the paperwork notarized. I was granted social security surviving spouse benefits that goes straight to paying the mortgage each month, I do have backpay that I am awaiting on to be able to use to catch up on the loan but that process is taking way longer than it should and I am working to get it expedited. In the meantime I have been getting numerous letters from XXXX threatening to foreclose on my property even though I had advised them about the situation over the phone. I have not been avoiding talking to XXXX and have been very open about my situation which they advised again that as long as I make my payments I should be ok.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX Auto Insurance Policy # XXXX is created confirmed to establish automatic payments to XXXX XXXX XXXXXXXX XXXX affiliate, XXXX XXXX located in XXXX. XX/XX/XXXX - Cancellation of Insurance Policy XXXX date is determined to be active as without confirmation between the buyer of the contract. Therefore breaching the consumer law. XXXX XX/XX/XXXX - Date of Loss of XXXX XXXX XXXX covered under the existing policy # XXXX ; this documents Me as party with insufficient insurance and in turn voids complementing existing GAP insurance coverage. XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX provided a coverage policy quote to adjust to changes with payment structure and establish a new policy. creating negative credit reporting to all bureau adverse action on, creditor 's report and liable for tort for multiple parties covered in the policy as drivers damaging credit and my account being reported on record as charged -off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have two instances. The most recent one is my car bill. XXXX $ and some change was put on pending and then the XXXX institution denied and reversed the payment, which they said was returned the XXXX. It is now the XXXX, and my money is still missing, and the transaction on my history has " mysteriously '' vanished. Now I can't afford to pay my car bill and have to pay both payments plus a late fee in a couple weeks. When I get paid, I will be in the negatives because all my bills are due. The first instance where the same thing happened was when I requested a repair for a XXXX XXXX around the end of XXXX. It was for XXXX $ and it was put on hold. That vanished too, both the history of it and the money. I've contacted both merchants and they said the money should be back in my account. I've contacted Ally three times about it, and at first a manager was happy to help, but then he gave up and basically told me I'm screwed because there's no proof. I would've taken screenshots of the pending transactions if I would have known this was going to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial Bank sold my account with all my personal and confidential information to a collection agency..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ALLY FINANCIAL # XXXX is still reporting a balance on my credit report but the balance has been settled in full. See attached letter from Ally confirming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In early XX/XX/2021, I was notified through XXXX that my credit scores went from XXXX 's down to XXXX in one day. Ally financial reported on my closed account that I was more than XXXX past due. I have bank statements showing Ally took my payments electronically and a letter from Ally stating my account was closed in good standing. No late payments or fees on the account. I do not understand as to why their credit department reported this nor have they helped me at all. They keep telling me to wait 45 days for a response from the credit department. I have waited 55+ days now and I just got off the phone with another useless Ally representative saying I needed to wait another 45 days for the credit department to respond. I keep getting lied to from their representatives and this has got to stop. I'm a military retiree and all I get on the phone is someone who doesn't speak English very well and is reading from a prompt card. They have said this is on file but absolutely nothing has been done about it. I called all three agencies, XXXX, XXXX and XXXX. I uploaded the letter Ally financial sent me and my credit scores are still in the XXXX. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ALLY FINANCIAL is falsely claiming that the documentary evidence that I sent to them on XX/XX/2021 and XX/XX/2021 was a debt validation request, which it was not. What I did send them was a dispute of " alleged '' debt based on the multitude of ways in which they've violated me as a consumer and natural person. Pursuant to 12 CFR 1006.38, by not responding to these disputes they have overshadowed my right to dispute the " alleged '' debt. However, if ALLY 's intention was to validate the " alleged '' debt on their own accord, they failed to do so by not following the debt validation notice guidelines set forth in 12 CFR 1006.34. ALLY has not only neglected to respond to my disputes in a lawful manner but they have taken adverse action against me for exercising my right to do so. As per a letter I received from ALLY via dated XX/XX/2021 ( attached ), they state " we have placed a restriction on your account and will not accept payments unless they are made in certified funds such as a cashier 's check, money order, or payment through a third party such as XXXX XXXX or XXXX. '' In doing so ALLY is in violation of 12 CFR 1006.14 for oppressive and abusive conduct, 12 CFR 1006.22 for attempting to collect an " alleged '' debt through unfair and unconscionable means and 12 CFR 1006.6 ( c ) for attempting to collect an " alleged '' debt after receiving a cease communication notice from me on XX/XX/2021. Nevertheless, pursuant to 12 CFR 1006.34 I am lawfully entitled to request a validation of this alleged debt, which I am now officially doing. With that said I have sent ALLY and their CEO an official validation request via certified mail, which was confirmed received on XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A