Date Received: 2021-10-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The phone calls were made by Ally Financial employees. Ive received a great amount of phone calls & voicemails within the last few months. The ones I have on record will be listed below. Voice mails XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Missed Calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XX/XX/21 Answered calls XX/XX/21 XX/XX/21 These are the calls I have access to at the moment but, XXXX be looking for more. Im not sure if Ill be able to request my call log from my cell phone company or not but I will attempt to. On the phone calls Ive noted that I have lost my job in XXXX due to covid and have been interviewing at different places and have been recently employed. Noting that Ive been struggling to pay. I wasnt offered any options other than to pay. I attempted to make arrangements but they werent helping. Theyve also failed to note my intentions. I have also been given extensions to the wrong phone number. Their dealings have been shady. Theyve called nonstop. Each day multiple times a day. Theyve repossessed my car without warning. They came in the middle of the night. This was the second time they did this. Now Im required to pay the full sum if I want it back as well as additional charges. Ally Financial is a shady company, and they do not care about their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have called and talked to the customer service of Ally Financial ( auto financing ) more than 30 days ago about a fraudulent inquiry on my XXXX credit report they took all the information but never responded could you please assist in helping me remove this fraudulent unauthorized inquiry? the inquiry date was XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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: My car was totaled out on XX/XX/XXXX. My insurance company sent a settlement amount of approximately {$23.00}, XXXX to Ally as a settlement. Ally accepted the settlement payment and is still claiming that I owe {$2000.00} on the account. XXXX XXXX, the gap insurance provider has stipulated that the amortized balance on the car is approximately XXXX and Gap is not responsible for paying anything because Ally should be refunding me the customer {$6800.00}. Ally utilized the settlement funds from my insurance company to pay interest and finance fees that were no longer necessary because the car was paid off prior the five/seven years that the original financing was for. I should not have a balance with Ally. Gap was purchase and paid for, to supplement any additional amounts concerning a total loss of the vehicle ; and if I am responsible for paying an additional amount to Ally for a car that I paid GAP insurance for, the issue should be resolved between Gap and Ally, as long as I was in conformity with the terms of my loan agreement with Ally. I request that Ally remove any arrearage amount owed from the customer ; and refund the amounts owed to me as the customer concerning the referenced XXXX XXXX XXXX. XXXX XXXX Gaps Claim number is XXXX. I have attached the letter sent from XXXX XXXX concerning this issue for your reference. Further, when I originally bought the car in XXXX the dealership sold me an additional XXXX insurance policy which cost more than {$3000.00}. I never asked for that policy, because I already had full coverage through XXXX. I placed the dealership on notice within 30 days of purchasing the car. Although the car dealership failed to re-write the agreement for the loan, the XXXX dealership in XXXX XXXX refunded me approximately {$2900.00} and placed me on notice that I did not have a car payamne due until XX/XX/XXXX. The entire {$2900.00} were applied toward finance and interest fees ; additionally every single penny of my car payment went toward interest and finance fees from that point forward. The {$3000.00} should have been taken from the final balance of the car in XXXX and there should have been a re-write of the loan minus the {$3000.00}, which would have yielded a different balance altogether. Please correct that wrong, so this account issue can be resolved without error, because it was clearly not necessary for me to borrow the additional {$3000.00} and the refund of the money only went toward interest fees, not a penny of it went toward the principal balance. Finance fees and Interest fees were calculated to include the unnecessary {$3000.00} that never should have been charged. Additionally the total amount of my {$670.00} monthly payments went toward finance and interest fees. A certain portion of my car payments should have been allocated toward the principal balance. How much of the money that was paid on the car was actually allocated to the principal balance? I never cancelled my gap insurance, so I received a letter from GAP that I am not able to attach. A letter was sent from Gap, XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX and Ally was sent a copy of this notice, stipulating GAPS amortized balance and placing Ally Financial at XXXX XXXX XXXX, XXXX, Kentucky XXXX ; on notice that a refund of {$6800.00} is owed to me, and there is no need for them to pay Ally the {$2000.00} that they are claiming that is owed on the car. Please assist Thank You! XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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, 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 Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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 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 Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has received a statement including the subject matter of an attempt to collect an alleged debt for the Account number ending in - XXXX. Notice, it is a fact that, I, agent for principal XXXX XXXX XXXX and affiant, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX is aware, collection activity includes furnishing any information on this subject matter to any consumer reports. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand that you send me the name and address of the original creditor via mail pursuant to 15 U.S.Code 1692g ( b ) in order to verify proof of the funding of this account ending with account number - XXXX. Without this information there can be no verification on who funded the original loan. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as ALLY FINANCIAL has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) in order to verify what has occurred with this account ending with account number - XXXX for ALLY FINANCIAL to come back and say I owe any such alleged debt. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a statement under penalty of perjury stating that the bank in fact loaned the associated debt money from their own assets in order to verify there is in fact a proof of claim of this debt. Without this I can not verify any valid claims of alleged debts in the name of my principal obligor.Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a certified copy of the original certificate of indebtedness in order to verify the ALLY FINANCIAL is in fact the current holder in due course there is in fact a proof of claim of this debt. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor.Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX, demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 U.S.C. 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account, so be it. Without this I can not verify, and there can not be any valid claims of alleged debts in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, has reason to believe and do so believes, without all requested documents in the affidavit herein there can be no proof of claim by ALLY FINANCIAL and ALLY FINANCIAL would be liable for creating a false and deceptive form under 15 U.S.Code 1692j. Notice, it is a Fact, that, I, agent for principal XXXX XXXX XXXX and XXXX, demand an insurance audit trail in accordance with 12 U.S.Code 1831n ( 2 ) ( A ) to verify proof of the insurance or proof of any claims associated with this account ending with account number XXXX. Without this I can not verify, and there can not be any valid claims of alleged insurance of any loan on the alleged debts owed in the name of my principal obligor. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that ALLY FINANCIAL is in violation of 15 U.S.Code 1611 ( 3 ). Whoever willfully and knowingly gives false or inaccurate information or fails to comply with any requirement imposed under this subchapter shall be fined {$5000.00} or imprisoned up to a year. Notice, it is a fact, that, I, agent for principal XXXX XXXX XXXX am aware that ALLY FINANCIAL is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any dispute results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX 2.XXXX XXXX 3.XXXX 4.XXXX/XXXX 5.XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that under no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX 1 ) Ally Financial maintained this account, although any collection process on a vehicle lease is no longer valid. 2 ) The account has passed the necessary timeline to be maintained on my credit report. 3 ) All files held by Ally Financial must be purged, and any reference to such credit listings must be deleted from XXXX, XXXX, XXXX XXXX and XXXX respectively. Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A