Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We have called several times the company directly to try and fix the information being reported to the credit but each time we tried to work with them the problem got worse and it seemed they were just un-willing to work with me to fix it. I have been working on this for the last 3 months to see what i could do to resolve any issues that existed including making additional payments if necessary to fix it. But no co-operation from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On multiple dates including XX/XX/2021 and XX/XX/2021, Ally Bank, NA failed to process a wire transfer request made in the day it was requested. In both instances, the request was made early in the day and we attempted to reach out proactively to verify the transfer information. It is my belief Ally is intentionally delaying wire transfer requests or has inadequate staffing and systems in place to deal with the volume of requests it receives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ally financial falsely reported a balance on our account. We never received any statements as the address on their file was incorrect. At the time our credit report was pulled for an application for a mortgage this account came up. We contacted Ally several times and were transferred to their collections company every time. They were unable to provide a detail of the balance on the account. The dealership was able to provide an old copy of the statement showing that the balance being collected was for property taxes. They also provided a copy on our file which is an Affidavit which was signed at the time of the lease showing the vehicle is leased for personal use and no taxes should be collected. We have provided this documentation to Ally financial as well as the Collections company. There has been numerous attempts to get this corrected in a timely manner as protected by the FCRA. This is causing a negative report in our credit score, a delay in our loan, and an increase in our interest rates. Im attaching the statement, and waiver. I can also provide all the emails that were sent both to Ally Financial and the Collection company with the documentation to correct the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
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: On XXXX, 2021 I obtained an automobile loan through Ally Bank for $ XXXXOn XXXX, 2021 the car was in a car accident and was totaled by XXXX insurance company XXXX XX/XX/2021 Ally reported to the credit bureau XXXX automobile loan in the amount of {$29000.00}. After they received a payment of {$19000.00} from XXXX. I contacted Ally and informed them their reporting information should be corrected I also filed a dispute on both occasions I was informed that the information was correct. In XX/XX/2021 GAP Insurance paid an additional {$4000.00} on this account. However as of today XXXX XXXXmy credit report shows that I still owe Ally {$29000.00}. Ally has refused to update my credit report with the correct information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Since I finance the car with Ally finance They have not actually reported my payments the dates are incorrect and it still showing that the payment last that I paid on it was in XXXX were in almost XXXX now and they have not updated it its every month that I go through this with them Ive called multiple times to them and explain the problem they do not fix it I disputed it with the three credit bureaus and they still have not fixed it
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: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX XXXX XXXX General ManageXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX Ally Financial XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account Number : XXXX To whom it may concern : On XX/XX/XXXX we purchased a XXXX, XXXX XXXX XXXX by engaging in a financial agreement for financing with Ally Financial under a binding legal contract initiated by XXXX XXXX XXXX, Ally, and XXXX and XXXX XXXX. Without proper and immediate notification from XXXX XXXX XXXX that the legally binding written and signed purchase and financial contract with the listed vehicle identification number, and the vehicle we agreed to purchase, finance, and were in current possession of, was not the vehicle that was purchased and financed. On XX/XX/XXXX we were notified via text message by the business manager at XXXX XXXX that there was additional paperwork to be signed that had been overlooked when we had purchased the vehicle on XX/XX/XXXX. When asked what was going on and why we needed for come down we were told it was a simple mistake in the computer stating the wrong vehicle, but that the paper contract was correct. We were told that the only problem was a simple ; one wrong number on the VIN in the computer, and all the financed and contracted information were correct on the original that was signed on XXXX XXXX. We were told there was no need for a new paper contract, and once we signed the tiny XXXX signature pad everything was a done deal. When specifically asked why we were unable to see or read anything we were told that there was NO NEED, since we already did that with the paper contract that we went over and agreed to and signed originally. It was not until XX/XX/XXXX that we were texted again and asked to come down as we needed to redo a paper contract for the vehicle. I was assured it was No Big Deal. We at this point were quite concerned as we were told that this was not needed and had already been verified with Ally Financial. I was upset at this time as we had attempted to get the plates on the vehicle, and were told that the vehicle we were driving was not owned by us according to the DMV, and could be considered stolen or illegal with assumption that the VIN was not the vehicle listed as to be in our possession. When I asked about what the NO NEED TO READ information that we signed on XX/XX/XXXX, and why we are having so many problems in regards to this purchase agreement we were again not told the entire truth and our concerns were disregarded as if we were overreacting. In the mean time I had attempted to obtain prequalification for a home that we wanted to place an offer on for purchase, and upon pulling our credit at the XXXX XXXX XXXX we were called, and notified that because we had purchased two vehicles within a couple of weeks of each other there is no way that we would be able to pre-qualify for a loan now. I then called Ally Financial and was notified that we had two separate loan accounts one for a XXXX XXXX XXXX and a XXXX XXXX XXXX. I was devastated as we had been working on credit building and proving financial worth for 2 years, and when I called the business manager again I was treated as though I was overreacting and he had no idea how that could even be possible. The home ended up selling and we missed our chance, and also was denied on a current small business loan that I had been working on for over a month ; putting together a small business plan for my XXXX XXXX. I had to ask my parents to do the financing as I could not wait for this mess to be figured out. I attempted to make the truck payment as listed as due on XX/XX/XXXX, and was unable to do so as the listed account was for a XXXX XXXX that had a payment due, and the listed XXXX XXXXXXXX would not allow payment. It was not until XX/XX/XXXX that the paper contract was signed at XXXX XXXX with notification that first payment would not be for the standard 45 days, and we were also told that again nothing changed so our written contract was correct, and the two paper pages were the originals to be sent to Ally. It was then on XX/XX/XXXX that we noticed that we had the incorrect second key FOB and owners manual which was even more upsetting and suspicious. It was then on XX/XX/XXXX that I attempted to make a payment believing that would be my first payment as told, and I was notified that I am 30 days past due. I was devastated as the payments are {$1600.00}, and there is no possible way that I could just come up with the extra. I did make the payment and wanted an investigation with Ally, and they just kept telling me my problem rests with XXXX XXXX, and when I would call XXXX XXXX I was told my problem was with Ally. I attempted in the excess of 10 times to speak with XXXX XXXX, leaving messages with no response, and Ally refused to correct the information acting as if I was lying about the situation. When XXXX came I made a payment in the hopes that it would be corrected only to find out that I was reported as 30 days late again, and was pretty much continuously told to make the account current which was financially impossible to just come up with that extra money like it was no big deal. It has been a continued arguments and fights since then including being unable to even continue to have accounts with other XXXX XXXX, personal and business accounts etc because of our credit report and score. This vehicle purchase, that we thought would help our financial worthiness, has instead destroyed XXXX and me financially. This has resulted in an extremely upsetting, financially ruining, and very costly experience with the XXXX XXXX XXXX dealership regarding the incorrect VIN, initiation of a faulty binding legal contract regarding the purchase of the vehicle and financial acceptance and responsibility, and your financial team changing without agreement and prior knowledge the original purchase and financial acceptance agreement with XXXX XXXX and Ally Financial, therefore leading to loan default and incorrect reporting to credit agencies resulting in current financial ruin and personal financial self-worth. We are requesting compensation from XXXX XXXX XXXX for our losses including acquired financial loss, acquired debt, and verification of inaccurate information as reported to the furnisher ( Ally Financial ) and the CRAs. This document will serve as the necessary written proof verifying that the negative reported information is confirmed inaccurate and is to corrected immediately upon receipt based upon the set forth laws and regulations regarding the OBLIGATIONS OF FURNISHERS UNDER THE FCRA STATES ; If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).. In a one on one conversation between XXXX XXXX and XXXX XXXX, Tuesday, XX/XX/XXXX, I was told that I would receive compensation for this by XXXX XXXX, and XXXX and I would agree to the terms and sign a legal agreement releasing them of any further legal obligations in the future regarding this matter. This letter will serve as the necessary legal information regarding the inaccuracies of the account therefore certifying that the information was indeed inaccurate and by law will be removed from the credit report histories of XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX thereby removing all negative account history, late payments, and listed loan default in regards to Ally Financial. The financial obligation to be corrected is the negative current history on the account for the purchased vehicle due to this is {$6700.00} which will bring the account paid and current, noting that it would not be in the negative if this would have been brought to our attention and the individuals involved would have been upfront and honest in the beginning. Please call me at XXXX once financial check is ready in the amount of {$6700.00}, and this written contact has been verified and is ready to be signed by listed parties ; XXXX XXXX, General Manager XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX General Manager XXXX XXXX XXXX Enclosure All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTCE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are founds in Section 623 of the FCRA, 15 U.S.C 1681s02. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to the CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers, must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmroe. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( I ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provided relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 602 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681cA Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681cB Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 168f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59701
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
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: XXXX Update : company claimed that they would submit my case for a one time " good will '' removal from my credit report due to 100 % payment history prior to the incident. I'm submitting this complaint as extra insurance that they actually review my account and approved the good will removal. Hi! I'm having major issues right now. I called this Thursday and was met by a very rude customer support specialist that said a supervisor would call me either that day or the following day on Friday which never happened. This is about a " deliquent '' and " missing payment '' now reporting on both my XXXX and XXXX credit reports. I will be disputing this until it is resolved : For 1 : there is no missing payment on my account. The amount of payments I have made are congruent with the amount of monthly payments I made. 2 : if you review the phone conversation I made to the XXXX department in early XXXX you will find that you guys cut my payment almost in half due to XXXX interest charges being paid back to me. After trying days on end to change my autopay amount to the correct amount of {$180.00} I was unsuccessful. So I called customer service and they gentleman on the other end let me know it was a system error and that he also couldn't take my payment over the phone for the correct amount of {$180.00}. He informed me that the only way to pay the correct amount would be to cancel my auto pay for that month and pay the {$180.00} manually. I told him I was hesitant to do this since being on XXXX and out in the field we rarely have open access to the internet, cell phones and computers, and let alone the peace of mind to worry about payments back home when in dangerous environments. I even asked him if there was a way they could turn the auto-pay back on for me in the event I wouldn't be able to and he told me no. So regretfully I took his advice and turned off autopay to save around {$170.00} that month. And as a result of being on a high tempo XXXX was not able to manually pay my XXXX payment. However as soon as I was back in an environment to handle it I paid 2 payments in XXXX, which XXXX payment was for the payment missed in XXXX. My point of the story is that I've always had 100 % on time payments made in my credit history and now it's reporting 99 % because of one payment that was late DUE TO A SYSTEM AND COMPUTER ERROR ON THE END OF ALLY AUTO THAT IS DOCUMENTED ON A RECORDED PHONE CONVERSATION WITH YOUR REPRESENTATIVE. If you look at my entire account history you'll see that I've basically always had autopay set up with you guys, and the only time it was turned off was in reference to the phone conversation that you should have on record back on XX/XX/2021 with CSR personnel named XXXX. This verifies that there was an error with your payment system. Had that error not existed autopay would never have NEEDED TO BE TURNED OFF FOR ME TO PAY THE CORRECT AMOUNT. Not to mention the representative on the phone couldn't even take the correct payment. And due to me being on XXXX and not having the luxury to have internet access at anytime or phone service to call and handle this, I'm now being punished? What is the point of even having an XXXX department if you're not gon na take care of soldiers that are serving your county?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased my vehicle XX/XX/XXXX. My creditor was Ally Financial/Ally Auto. In XX/XX/XXXX my 1st payment was due.. On XX/XX/XXXX my place of employment shut down and on XX/XX/XXXX and I was let go due to the Coronavirus pandemic. I reached out to Ally financial i was advised that they were doing 120 day payment extensions for EVERY CUSTOMER requested. My next payment due date was XX/XX/XXXX. I made this payment. In XXXX I had still been waiting for unemployment. I was denied traditional unemployment which took 4-6 weeks with approval or denial. So I had to apply for Pandemic UI. This took 6 weeks. I immediately contacted Ally Financial to advise the circumstances. I was ENSURED by a manager repossession would not happen unless i was 90 days+ late with no contact to them. Now I was speaking to a manager because on their website it specifically states " they are here for us '' " we will work with you '' " if you have been affected by covid, we have options '' Yeah that's not true. I was literally one of the 1st ppl affected by the pandemic hints why UI was such a long wait. I was denied ALL of their so called resources because I had not made 6 months payments on my loan. But I hadn't even paid on my loan for that long. My 1st payment on my loan was XXXX. So I had a {$460.00} payment with XXXX income and no resources. In XXXX my father was in the hospital with covid and organ failure. The hospital advised that even though we could not see him, we needed to be there and prepare for loss of life. I live in Utah he lives in Texas. I had to go. So I decided to wait to pay my auto loan. I had to anyway due to {$0.00} income. I spoke with Ally Financial CS/Supervisors and Managers and advised. I was getting a call every single hour. Even though the SUPS and Managers noted this on my account and told me everytime I called the collection calls would stop they never did! Evey day all day from the day after my due date the XXXX XXXX. From XXXX I was in Texas. While in Texas I received a call from the police. My home had been burglarized.. a few times. A total of 6 time my home was broken in ( per my home security alarm notification ) On XX/XX/XXXX we were hit by a declared natural disaster. My back door was kicked in by the burgulars so the natural disaster affected the inside of my house as well. So on XX/XX/XXXX I come home to drugs all though my home, all my stuff, bsnk accts and identities stolen ( literally ) and a hurricane inside. Finally from XX/XX/XXXX I received my unemployment. {$130.00} a week. In total. I rcvd a {$1600.00} deposit. I knew I needed to pay my car payment because even though they helped they didn't. But I also knew I had all my other bills due. So I had {$460.00} due for XXXX and {$460.00} due for XXXX on the XXXX. I used my cash card account via direct debit so Ally Auto was linked to the actual account. Again this is a cash card. You can not at anytime make any payments if uou do not have cash loaded on this card. It will not pend it will automatically reject. On XX/XX/XXXX I paid {$250.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$300.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$300.00}. My payments are {$460.00}. I decided to use all my funds on Ally since they did not offer any resources. I paid a total of {$1500.00}. XXXX, XXXX, XXXX and half of XXXX. The calls ended. I did not receive ANY calls. XXXX XXXX. I open my door and there is a man who secretly opened and entered my gate ( which are all locked with a tie because of my small children ) with my vehicle fully connected to his truck. I ask him what he is doing and he says your vehicle is being reposessed? I told and showed him my proof of payments. Which are from Ally Financial. He calls Ally and advised he sees the payments made. Ally asked to speak with me. Ally advised me that they had not received or showing any of my {$1500.00} payments. But I did not receive 1 single collection call like I did in XXXX? They advised me that since he has my vehicle hooked he can not unhook it " legally ''. Ally gave me a fax number to send my proof of payments. I did immediately. I call the next day my account was transferred to another department and they gave me another fax. I fax call them again, my account was again transferred to another department. This happened 5+ times. For 2 weeks or more all the way to the retention department. I spoke with them and they took my statement and contested the repossession. Advised me to call back in 1-3 days for the response. I called the 2nd day where had me do it all over again by the 3rd time I finally said I've already contested the repossession I am calling to know what the response is. I do not need to contest the repossession again. At this point I contacted all of corporate. With no response. I call in again and they advised that they accepted ALL of my payments but the repossession stands!!! That makes no sense. When I spoke with a sup or manager she could not tell me why my vehicle was repossessed Because they accepted my payments. She put me on hold unexpectedly until she hung up. They wanted me to pay them $ XXXX for my vehicle being reposessed 13 days after my due date! They sold my vehicle and never allowed me to get my items out. My vehicle was {$16000.00} with a total finance for 72 months being $ XXXX. Its only $ XXXX if I go XXXXmonths. They sold my car for $ XXXX. If anything theybowe me money. I truly hope this gets looked into. Because they are wrong in do many ways. ( please reach out for any of the proof I have mentioned above. I have saved calls, emails, bank statements etc to XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing this dispute because I believe it is against the law for a hard inquiry to stay on my credit without permission of me I have no account with these lender .. this was ran through a third-party with out my permission for these particular company thanks you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A