Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Complaint was filed on Ally to post my payoff to my account and provide an letter. Ally posted the payment, provided a letter but FAILED to report the account as paid in full with all three Credit Bureaus. The three Credit Bureaus are showing a open account with an balance of $ XXXX which is incorrect! The account should show {$0.00} and should be closed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Apparently there has been a data breach which is the reason why I filed out the identity theft report with the XXXX County Police Department as well as the FTC report because I did not authorize these inquiries on my credit and I need to get these inquiries removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I am having issues with fraudulent activity with my credit. I believe that someone with tried to run my credit with four different companies. The companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and Ally finance. I have contacted these companies and they do not have anything on their records indicating that my credit was ran and informed me that there is nothing they can do about it. XXXX XXXX was the only company that said they will send an email to XXXX stating that I did not give them permission to run my credit but XXXX says they never received anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account on or around XX/XX/XXXX. I setup online banking but since then have had nothing but issues accessing my account ( They block access ). It is continually blocked and I have to spend hours on the phone with customer support/ fraud specialists verifying I am who I say I am. On my last phone call XXXX setup a series of special questions ( per the customer service representative ) to avoid having to spend hours on the phone while the fraud specialist googles my name for info. Great, I thought. No such luck. While attempting to transfer money from my Ally account to another bank ( Both accounts registered to me ) my account was locked yet again. I called customer service and answered all the security questions ( the ones they assured me would verify my identity ) but no they transfer me to a fraud specialist. On this phone call the woman advised that she need to verify my identity with documents. 1 ). a photo front and back of drivers license. 2 ). a photo front and back of social security card 3 ). current bill i.e. credit card, utility bill 4 ). a photo of me HOLDING drivers license. That seemed like a lot to go through since I had already verified my identity. But, I gathered up the documents, took photos and sent them as requested. One of the photos is myself holding the drivers license. I called back in. Once again I was required to verify myself through with my security questions I had setup. Once again I was transferred to a fraud specialist. I explained the issue. Once again I spent another 45 mins while the fraud specialist l researched my name and came up with specific questions only I would know. Every few mins they would put me on hold, look up something and return with another question or two. Obviously, I answered all the questions correctly. Just as I believed XXXX XXXX the fraud specialist ) was about to release the block he put me on hold one last time. He came back on line " XXXX, I have one last question. When was you security card issued? '' Really? I am XXXX XXXX XXXX. I have no idea when my social security was issued. My wife ( ex wife ) and I applied for my two sons when they were 5 or 6. My parents passed away in XXXX and XXXX. Not as if I could have asked them. If I may ask to whom ever is reading this? Do YOU know when your social security card was issued? I understand fraud protection and the need for security but this goes beyond/ This is harassment. To make a customer call in every time the bank gets an alert and then to have to sit on the phone answering questions is ridiculous. As of today my account is still locked. I am a XXXX veteran on social security and the bank has blocked my only source of income. I have been visiting my son in XXXX California and Ally Bank did not believe I was in XXXX XXXX / XXXX XXXX California. Ive attached a photo of ME holding a newspaper. Please zoom in and see the date XX/XX/XXXX. That was yesterday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: these accounts don't belong to me. please remove accounts : XXXX. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by ALLY FINANCIAL AUTO FINANCE Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: For four consecutive months I have contacted Ally both by phone and in online chats for the sole purpose of aligning the due dates on each of my vehicles leased with them. I have repeatedly requested that Ally set both due dates for the 4th of each month for the following reasons : 1. The XXXX XXXX is due on the XXXX of each month. However, not every month contains 31 days. 2. Every month contains at least 4 days. 3. Social Security direct deposits are made on the 3rd of each and every month. 4. There is no valid reason that Ally can not make both payments due on the 4th of every month. For four consecutive weeks, I have been repeatedly told by Ally representatives that they have made the request to set both due dates on the 4th of each month, that I would receive both an E-nail confirmation and a confirmation via a live telephone call from Ally. To date, neither has happened. As you may see from the details just taken from my online account at Ally, every single request has been willfully ignored by Ally. Not one single Ally representative has kept his or her word. XXXX XXXX XXXX ... XXXX {$7600.00} {$0.00} {$250.00} on XX/XX/XXXX XXXX XXXX XXXX ... XXXX {$10000.00} {$340.00} {$340.00} on XX/XX/XXXX Total {$17000.00} {$340.00} {$590.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: this issue started in XX/XX/XXXX and this person knows my previous address as well as my current address. I received a letter from Ally Bank in California. Someone perpetrating to be me attempted to open a checking account in my name. That whoever called did not know that I already had a checking account in the state that I actually live. I'm pretty sure that the person at this phone number is the party responsible. Somehow this guy got my personal information which includes social security number driver 's license my date of birth and my current address. I have also received information from a bank called XXXX XXXX XXXX XXXX in California stating that they required my information because somebody put my name on an account. When I attempted to get a person 's name and the phone number they were calling me from they hung up on me. The number originally came up as restricted because here in Illinois I had reason to believe that this number was law enforcement in my area, however it was not it was the Bank. Then receiving this letter from Ally Bank on Saturday told me someone is attempting to open accounts in my name in California. I for whatever reason can not now receive income tax money owed to me by the federal government nor have I been able to receive any stimulus money I am entitled to due to Identity theft. As I am a small business owner in the state of Illinois this really hurts my business and my reputation. I may be looking to go out of business because I can not get money or funds I am entitled to due to a scammer in California. Previous address was XXXX XXXX XXXX XXXX XXXX Illinois XXXX current address is XXXX XXXX XXXX XXXX XXXX Illinois XXXX my phone number is XXXX and this number should be reflected too XXXX XXXX XXXX XXXX. The call I originally received came from this phone number XXXX at first the gentleman claimed that his name was XXXX XXXX a home builder from Texas. Initially I hung up on this caller but he kept calling me back in days that followed stating that his name was XXXX XXXX, and that he was a bank vice president that was checking on the validity of a trust fund account issued in my name in California and then a separate account near XXXX Iowa ; because my mother was born near here and she was the person who opened this account in XXXX ; and I asked this guy certain information that he was able to answer with 100 % accuracy, and unless you live in this area there's no way you would know how to answer it. His phone number XXXX XXXX is XXXX. He stated that he was a previous XXXX XXXX in the military and his current position was his bank vice president yet when I asked him what the name of the bank was he skipped over my question and kept talking. He also was able to provide to me certain information of mine including my past address where I had just moved from a few days before that and he had my social security number and driver 's license number which caused me immediate concern as nobody should have either one of those bits of information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made a extra payment to ally on XX/XX/2021 after I made payment needed on the XXXX XXXX. Ive called and requested for a refund on the same day, was told that I would be getting it but when I called again on XXXX XXXX I was told I was denied. Ive gotten hung up on, placed on hold for two hours waiting for a department that was closed but I wasnt informed by the representative. Was told the check was sent by mail them was told it was sent electronically. Then found out that it was sent to the wrong account and had to be processed again. Now Im still waiting for my refund and they are still giving me the run around. They said it was received by the third party but who knows what now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A