Date Received: 2021-09-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a car loan with ally bank ( XXXX XXXX XXXX ) then traded for a new car ( XXXX XXXX XXXX ) new loan was again through ally but in the process the dealer was late with the paperwork and ally put a late payment on my credit report and now refuses to remove. All while Ive been with them for years and never missed one payment. And to make matters worse they have a recording of one of their employees telling me over the phone that its going to be removed but even that means nothing to them!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: The car was involved in a car accident last XX/XX/2020 the car was paid by my insurance and gap insurance and I will said over paid and the Company still reporting to my Credit as account not fully paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I need credit report update XXXX Ally Bank and XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29642
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2020 I, XXXX XXXX XXXX engaged into a " consumer credit transaction '' with Ally Financial in which a " Finance Charge '' was involved " Amount Financed '' ( {$62000.00} ) and " Total Sale Price '' ( {$81000.00} ). Pursuant to ( 15 USC 1605 ) -Determination of finance charge-Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Ally Financial also took individual action to demand a " Down payment '' in the amount of $ 20,664.33.00. Pursuant to ( 15 USC 1662 ) -Advertising of down payments and installments- which states- No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified " down payment '' is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Pursuant to ( 15 USC 1635 ( b ) ) -Return of money or property following rescission- which states-When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. After thoroughly reviewing my contract I also noticed that Ally Financial had included my " Right to Reject the arbitration agreement '' but failed to provided me with the appropriate form of written notice published and adopted by the Bureau ( CFPB ) for my " Right of Rescission ''. ( 15 USC 1635 ( a ) ) - ( a ) Disclosure of obligors " right to rescind '' which states- Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
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: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recently switched banks from XXXX to Ally Mobile. I transfered the money remaining in my XXXX account and also deposited a paycheck from the company I work for which I will include the check stub for. A few weeks ago my girlfriend was in a car accident. Our car is in the shop and we need money for our insurance deductible. For that reason a close friend issued me a certified tellers check from his credit union ( XXXXXXXX XXXX XXXXXXXX XXXX ). The check was for {$3500.00} and was to pay our insurance deductible along with catch me up on credit payments. Ally bank immediately froze my account and has refused to cooperate with me since. First they told me it would be 2 days then 5 then 10. Now they won't tell me anything and say the investigation team will call me if they need anything. I have spoken with a total of 5 different people from the Ally fraud department and none of them has told me the same thing. They have been rude, accusing me of lying and say I have given different stories about where the check came from which is absolutely not true. I know it's not true because there is only one " story '' about where I got the check and that is the TRUTH. Now today ( XX/XX/XXXX ) they say that they called the credit union and the check was not confirmed. However after speaking with the credit union they say no one has said anything to them regarding the check. I was also told today that they are investigating my payroll check as well! I have had two payroll checks bounce in the past but was immediately given a good check. I told Ally if the payroll check bounce I need to know so that I can be issued another one. The woman on the phone said " maybe you should do that '' but didn't comment as to whether the check bounced or not. No one is working with me at ally to get this resolved at all and if my check did bounce I certainly don't want to deposit it into a frozen bank. I honestly have no idea what to do. They wouldn't even let me speak to a supervisor. I have no car and my credit payments are stacking up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I consumer XXXX XXXX have sent three Cease and Desist to ALLY FINANCIAL to stop ally communication on any and ally mediums about an alleged debt that is not owed and has already been paid. ALLY FINANCIAL continues to violate my federally protected consumer rights under the provisions of 15 USC 1692c ( c ). ALLY FINANCIAL has received my cease and desist by certified mail & return green slip on dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. ALLY FINANCIAL has not rebutted my three AFFIDAVITS OF TRUTH, statement of facts. ALLY FINANCIAL states that federal law governing them as a debt collector under 15 USC 1692 doesn't apply to them. On 07/13/2015 I entered into a consumer credit transaction extending my credit to ALLY FINANCIAL. This consumer credit transaction involved a finance charge in which is the SUM of all charges under 15 USC 1605. I consumer XXXX XXXX also put a cash down payment of {$4000.00} involving a credit transaction which is against my federally protected rights. The finance charged paid for the entire transaction. ALLY FINANCIAL committed fraud by taking monthly payments on an alleged debt that was already paid for through a credit transaction under 15 USC 1602. ALLY FINANCIAL has been using abusive tactics in order to collect a debt. ALLY FINANCIAL has threatened to illegally seize my property, something already paid for which is theft and is illegal under the Fair Debt Collection Practices Act. ALLY FINANCIAL is sending me threatening letters to seize my property and to continue damages my reputation as the consumer by reporting false and inaccurate information to the credit reporting agencies without my permission. I have reported these acts to the ATTORNEY GENERALS OFFICE. The harassment from ALLY FINANCIAL is causing me mental anguish, stress, and financial hardship. This alleged debt was already paid, I do not owe this debt.
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: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The credit reports from Ally pulled by XXXX and several others were not by my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I make my payments on time every month and every month I have to call to get them to report my payments to the credit bureau on there site the screen shoot I sent has not been updated since XXXX I calll the company and they do nothing to fix it you are in XXXX last on the report is the credit bureau was in XXXX hey attached a photo of the credit report this is really ridiculous because if I missed a payment they will be very fast to put that on the credit report should I have to deal with this every month
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: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a cashier 's check totaling {$1500.00} in my account and they haven't made it available. They said it would be available XXXX which is contrary to Reg CC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like ALLY FINCL to show proof of verification that I owe them {$3900.00} with the account above. To my knowledge, this account has been paid. ALLY FINCL is reporting inaccurate information on my credit report. I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 1. What certified documents were reviewed to conclude your investigation? 2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? b. What was the date? c. How long was the conversation? d. What was their position? e. What number did you call? f. What is the name of your employee that spoke directly to the creditor? g. What is the position of your employee that spoke to the creditor?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76544
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A