Date Received: 2021-09-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My auto loan with Ally Financial ending account # XXXX was paid in full on XX/XX/2021 through a trade-in. On XX/XX/2021 I received email confirmation that the title was mailed to the Dealer that the vehicle was traded in at. On XX/XX/2021, Ally Financial erroneously reported the account 30 days delinquent. On XX/XX/2021 I called Ally to report this error and ask that they fix this reporting. As of XX/XX/2021, this is still being reported as a delinquent account on my credit report. This in turn has caused me to be declined credit that I applied for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi my name is XXXX I'm a XXXX XXXX person that has struggled to keep up with payments of all sort I have a vehicle loan through ally auto for my van that I had purchased in XX/XX/2015 from that date till now I have never missed a payment for that vehicle even with my XX/XX/XXXX right now struggling to keep up I'm almost a month behind but I always make my payments before the 30day late period because of how much money comes in .my payments are do on the XXXX of the month so in XX/XX/XXXX I deposited some money from a customer and it was available on Saturday so I made my payment on Saturday the XXXX but today I received a 30 day late from XXXX and I'm not happy I've been struggling to keep my family happy during this time and to see this it hurts specially for people that are on parcel unemployment like I am I would like this to be removed if possible I so it doesn't hurt me just incase I need to use my credit for something else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95361
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: We paid this loan off XX/XX/2021. Received the paid in full letter XX/XX/2021 dated XX/XX/2021. After numerous phone calls, emails and texts Ally Financial still will not repot the loan as paid off on any of our credit reports. Contacted all 3 bureaus and was told to go back to the Lender to have them correct and let them know it was paid off. all 3 bureaus refuse to help even with the provided paid i full letter without a dispute but they have never worked in the past and new lenders frown on disputes on reports. Ally still says they will send the letters in again and have it marked paid off but we are 2 months past the initial payoff and I am getting no where with any of these places.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the loan belongs to my dad
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial was contacted most recently via the XXXX on XX/XX/XXXX requesting that my credit file be corrected. This is the second complaint filed. Ally despite ph and written communication on XX/XX/XXXX refuses to both correct my credit file and communicate with me the consumer. They have ignored multiple notifications that i am no longer being represented by an attorney and send all communication to my former attorney as a violation of my privacy and dependence on someone besides the creditor notifying the borrower. This means a violation of my privacy. This last unscrupulous act which has led to this complaint was a letter received by my former attorney where the document was not sent and an email saying to notify Ally financial that they no longer represent me. At this point I am throughly at my wits end in dealing with Ally Financial who from XX/XX/XXXX to this day has defiled my name, ignored a court judgement issued by XXXX County VA in XX/XX/XXXX, and who has reported incorrectly on my credit report. I seek your assistance in resolving this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I recently applied for a loan and they stated that my car loan has not been reporting on my XXXX report. I tried calling Ally and they stated that he has been reporting but I am also not seeing it on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55421
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Beginning of last month, I called Ally Financial XXXX to get a loan to payoff my lease. I informed them that my nephew and I were looking to submit a joint application because he is in need of a vehicle and is building his credit, but he has never obtained an auto loan. We provided all of our personal information ( ssn, income, addresses, etc. ) asked by the Ally representative. The Ally representative then said that if we were to get a loan jointly that I would be required to be on the auto insurance policy which I am not sure why that mattered. At this point, I felt reluctant to go any further with the application because we were not calling Ally for information on auto insurance coverage. However, my nephew was still hopeful and anxious, so we continued with the application. During the call, I told the Ally representative he was wrong because as long as one party ( borrower or co-borrower ) is listed on the Title they can get sole auto insurance coverage. The Ally representative placed me on hold to check if what I said was legit only to return to the call to tell me I was right which was a complete waste of our time. Thereafter, the Ally representative asked a series of questions pertaining to the amount we were looking to finance ; he was able to pull the payoff amount for my lease directly from Ally 's system he said, then he asked if we would like to include a down payment which we said yes, roughly {$2000.00} or {$3000.00} is what I believe we stated. The Ally representative did indicate that a down payment was not required, so we asked for preliminary figures for both ( down payment and no down payment ). My nephew and I determined that putting money down was the best route based on our financial needs and told the Ally representative that we would like to move forward. The Ally representative read a lengthy disclosure about pulling our credit that required us to give our consent in order to proceed which we did. The Ally representative stated he would submit our application to underwriting for review, he said they ( underwriting ) will review our credit and income to make a credit decision. I did mention to the Ally representative that my neighbor bumped into the passenger door while the car was in park and the vehicle is scheduled to get repairs in late XXXX because that's the soonest XXXX XXXX could find an appointment slot in our area. A few days later, the Ally representative called back asking me if I would like to get a loan without adding my nephew and he was alluding to me proceeding with the application as a straw purchase which by definition, is an illegal transaction as I had clearly explained our loan purpose upfront. The Ally representative asked if my nephew has credit established and my response to him was to pull our credit reports and see for yourself as I thought that was the whole purpose of gathering our information for underwriting 's review. The Ally representative said they at Ally didn't want to do a hard credit report pull only to find out that my nephew doesn't have enough credit to prove loan worthiness and the pull would lower our credit scores, like they were doing us a favor. I felt so disgusted and discriminated against because none of the expectations that were stated upfront nor the terms and conditions explained in the verbal disclosure ( s ) actually took place. To this day, we never received a declination letter from Ally nor was our credit report ever pulled. To my understanding, this is a Regulation B violation. From the start of the call, it seemed like Ally was looking to find reasons to not submit our application and/or intimidate us to not move forward with pursuing a loan with them and I never missed a payment with Ally. We provided our information in good faith and under the impression that the application process would be seamless. Today, I got a letter in the mail from Ally stating to turn the car in or they'll recover it. I called the phone number provided on the letter and I have to pay for a lease extension until the car repairs are completed and have agreed to keep the vehicle insured at least until the repairs are completed, but I am not happy with Ally at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Dear Sir or Madam, 1. ALLY FINCL Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with ALLY FINCL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : 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: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Went to log on to mobile banking account XX/XX/21 at XXXX. which usually uses Face ID on XXXX, and user id and password populates automatically, but it did not work. I then tried typing in my username and password manually but it still did not work. I then called Ally Bank and spoke to a representative. She asked my name, address, social security number, favorite color, mothers maiden name and to further authenticate me she started asking questions from my credit report and past. She then said she was not able to authenticate me that way someone would give me a call back. I then called back XX/XX/21 and after asking me all the verification questions and asking for my phone number to send a code to it. I explained it did not work, the rep said she could ask the third party questions instead, I advised that did not work last time, she said sorry I needed to wait I-2 days for a phone call. She could not tell me from who or why my account was locked out in the first place. Finally, I called XX/XX/21 requesting a Supervisor. After waiting on hold for 25 minutes, I finally got Supervisor XXXX on the line, who advised, that I needed to speak to a specials team to get my account unlocked. It was locked, because I failed verification. XXXX put me on hold for another ten minutes, only to return and say that this department was not able to speak with me right now, but someone would be calling me back within a day or so. In the meantime, while I have been locked out of my account, someone else was able to change my phone banking pin, per this email I received. I was the victim of identity theft in XXXX of this year. At the time, the culprits only opened, accounts with XXXX XXXX Bank in my name, which I was alerted to, via my email and called to have closed right away. Sadly, I did not know I needed to delete my old email and make a new one until now and thus they have now gained control of my personal bank account also it seems. I am happy that Ally is protecting my account, but it does not take 3 ( friday, monday, tuesday, not counting the weekend ) days to call and tell me what documents to send in to verify my identity. I work for a bank, and we actually give the customers the information at the end of the call of where they can send their documents if they fail the 2nd step verification. At this point I am very disappointed, it's the 1st of the month, I have funds coming in, bills to pay and they are showing no urgency and very poor customer service. I would love you assistance in getting this resolved. I have attached my
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase my own insurance separately. XXXX XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. Ally Financial XXXX has unlawfully collected 52 completed payments from me on behalf of this alleged debt. Ally Financial has harassed me regarding this debt. Ally financial has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Ally Financial an opportunity of notice to settle these violations civilly and in accordance with federal law. Ally Financial XXXX response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt therefore Ally Financial must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A