Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with Ally on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through Ally for years, but this is an issue that is encouraging me to refinance my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # :XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY 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. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial Inc. violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
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: This letter is a follow up to my original letter regarding the inaccuracy in your credit reporting, regarding the entry being reported as Repossession and Charge-off. Pursuant to the class action settlement agreement effective XX/XX/2021, you are mandated to remove the repossession/charge-off from my credit reports. However, I was informed by your executive department that the entire trade line will be removed. I do not authorize the entire trade line to be deleted from my credit reports. I had 1.9 years of on-time payment history which is accurate. I never had a late payment. I only authorize you to remove the unlawful repossession and charge-off status and leave my on-time payment history. I have a copy of my sales contract whereas both parties agreed to report my payment history to the consumer reporting agencies. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for purpose of filing a complaint with the Federal Trade Commission and the Attorney Generals office should you continue your non-compliance. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/2021 XXXX XXXX XXXX came to my abode location and attempted to seize my property without my permission and without court order or judgement in which is theft. This is a violation of my federally protected consumer rights. It is unlawful and theft for my property to be seized by someone without my permission. XXXX XXXX XXXX did not have my permission to contact me. ALLY FINANCIAL sent them to seize my property over an alleged debt that was already paid for. My car was already paid for through a consumer credit transaction. I put a downpayment of {$4000.00} which is illegal in a credit transaction under the provisions of 15 USC 1605 ( a ). Also a finance charge was in connection with the consumer credit transaction in which is the SUM of all charges in which I do not owe any monetary amount every month. ALLY FINANCIAL has committed fraud in this alleged contract without disclosing my right to rescission and the provisions under Truth in Lending Act. ALLY FINANCIAL and XXXX XXXX XXXX has violated my federally protected consumer rights through abuse and oppression. This is prohibited by federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ALLY BANK : Can not access my account ; my on line account blocked while I have all proper credentials. On XX/XX/2021 call bank to give instructions on what to do with my CD account when it matures. The person answering my call ( XXXX ) ask me for my old phone number no longer in service. and I could not recall it. I gave her my current and only cell phone number. She did not accept that and start asking questions beyond the usual ( social security number, age, dog name, mother 's maiden name ). Not satisfied with these, asking me many others which I think answered O.K. I now remembered my old phone number, told her what it was ; She said it is too late. Started asking about the color of a car a XXXX car, I told her I do not own a XXXX car. I got frustrated and said why not go directly on my line account which I have the proper credentials. I login but she blocked my account. I phone again another person answered, she ask me the 4 basic questions, satisfied with my identity, ask me what I want, I told her my account is blocked. She talk to somebody, came back and said I have to wait and a specialist will call me. I ask to speak to a supervisor, he told me I have to wait 2 days and there is nothing he can do. I called again on XX/XX/2021 and again on XX/XX/2021. Today XX/XX/2021, still waiting for the so called specialist to call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: I called Ally and spoke with a XXXX for 10 minutes that could not do anything. See picture from Ally web site for a contact I made under XXXX. WHY is this email suspended?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was not late with my payment for XXXX I have paid every month on time. I even made payments online ahead of time, that were scheduled. I requested for my account to be reviewed as I lost my job for 11 months in XXXX, and they never helped with anything.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
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: I am filing this Complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner 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: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XX/XX/XXXX, I went into active duty-XXXX status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via email from the company that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Ally Financial and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 10 months after the initial loan and car purchase ( XX/XX/XXXX ) before I was granted this account adjustment. However, too late before Ally reported on going payments as late and marked me in a delinquent status ( reported twice : XX/XX/XXXX and XX/XX/XXXX ). Furthermore, I did not receive notification on reimbursement of overpayment on this loan from the months prior given he applied rate adjustment according to SCRA regulations.
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: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Payments are paid to ally bank and we have bank statements showing payments were made, then refunded back 10 to 12 days later, and then charged as late with late fees. This has happened twice now!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A