Date Received: 2021-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday, XX/XX/2021, I received notice from Ally Bank that there was a restriction on transfers from my savings account. I called, and spoke with a representative, and was told the problem was resolved. On Tuesday, XX/XX/2021, I discovered my account was still restricted. I spoke with Ally again, and the representative told me that she resolved the issue, and I could initiate a transfer of funds. When I tried, the restriction was still on the account. I called a second time on XX/XX/2021, and was told, despite what I had been told in the prior two calls, that the restriction was still in place, and would not be resolved for 1-2 business days. I called a third time on XX/XX/2021, and the loss prevention department refused to speak with me to give me an explanation of the restriction. It is not right that a bank can restrict me from using my funds for two to four days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. This incident began in XXXX of XXXX and is still ongoing. My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. The XXXX County XXXX in XXXX, NC is the responsible party. The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I disputed inaccurate information about a 30 late payment in XX/XX/2020 with Ally Financial ( Account number # XXXX ) on my XXXX credit report ( Report Number XXXX hard copy ). The results of XXXX investigation appears to have updated my credit report ( which has a different report number of XXXX ) now showing that a 30 day late payment occurred in XX/XX/2020. This poses many questions and problems at the same time. Why are there multiple credit reports? This appears to be very deceptive. For XXXX to change what was initially being reported as accurate on my credit report ( 30 day late payment in XX/XX/2020 ) means that they were knowingly reporting inaccurate information which is a violation of the FCRA which should have resulted in the deletion of this 30 day late payment. How could XXXX report this late payment as accurate and upon my dispute change the month they said was correct initially to an entirely different month. Ive had trouble with getting this resolved with Ally Financial and on their online account system it shows that 2 payments were made in XX/XX/2020 but they claim that they dont see that and its their system. Multiple phone calls, emails and letters have gone unresolved. They put the burden of proof on me to validate something that is listed on their website ( see attached ). As a consumer and taxpayer, I feel as though Im helpless against these credit bureaus and companies like Ally Financial who report inaccurate information and are not held accountable for it. They can damage my credit profile with no repercussions. Its not fair at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48042
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ally Finance c/o GMAC Auto. Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. I can be reached at XXXX XXXX XXXX or email at XXXX. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to this company notified them that these accounts listed do not belong to me. I did not own a vehicle at that time I never applied for car insurance nor did I default on car insurance 5 to 6 times. I contacted the company to provide proof that these accounts belong to me I instructed them provide investigation proof I demanded that my rights not be violated as they are being done by this company. They have multiple listings for this company These reportings were never contacted by me from the car insurance company, the original applications formed to create these accounts, The proof that the car belonged or was financed by myself, they never did. They sent ALL of this information to a credit reporting agency without accuracy, which is a violation of my Federal Rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
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: My info was stolen ally financial has several hard inquiries that Ive been fighting to get off my report please help the dates are XXXX XXXX. 2.XXXX XXXX 3.2 XXXX XXXX 4. XX/XX/2020 if these could be removed after back and forth with the company no one speaks XXXX just remove wasnt me .. Ive since put fraud alert on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: One day, I just wanted to get a new line of credit but I realized I was turned down. My credit score was close to the 800s but for some reason I kept receiving to many inquires on my denials letter. I later looked at my XXXX and was appalled when I witnessed 50 hard inquiries I didn't approve of at all. I sent a letter to XXXX disputing the information about a month ago, no progress has been changed so I'm using CFPB to report and get these things off my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I took out an auto loan from Ally Financial in XXXX of XXXX. Starting approximately XXXX of XXXX for a period of 6 to 7 months, this company neglected to report my payments to the credit bureaus. I was told this was due to a system wide glitch. Since this initial period of time, on at least 6 other occasions ( ranging from 1 month to 3 months ), they have neglected to report my payments to the credit bureaus. I have spent countless hours on the phone with customer service trying to get this issue rectified. I have been transferred countless times, repeatedly refused access to supervisors and the credit department and have been disconnected by rude CSRs who simply did not feel like doing their job, more times than I care to remember. The payments should be reported on the XXXX of every month. The last time my payments were reported to XXXX and XXXX was XX/XX/XXXX, only after multiple calls. Ally Auto has not reported my payment to XXXX since XX/XX/XXXX, even after repeated calls to this company. For over a year now, my payments have only been reported after multiple phone calls to Ally Auto and sometimes not even then. Clearly there is an issue here that no one has cared to look into! Making my payments on time is my responsibility. I should not also have to be responsible for making sure my payments are being reported as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX I called Ally bank regarding a matter with my accounts. Customer service routing me to the the department handling the matter. I was very insulting my one of there members he handled the matter very unprofessional. He was yelling on the phone basically disrespected me. And told me never to call them again. After that I called them again and I did talk to a very respectful person on there. I do not believe this guy who talks to people on the phone disrespectful should be working in a bank. I want to know does ally bank condone this behavior by their people regardless of the department they work in. Then I called them on Saturday the XXXX asking for a Bank statement. I have to sit there on the phone and tell them I deserve a bank statement, but want to reroute me to another department and when I told them I deserve a statement. A hangup on the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/2021 : purchased XXXX XXXX XXXX from XXXX XXXX of XXXX, California ; XX/XX/2021 : cancelled and requested warranty refund be sent directly to me ; I contacted ALLY FINANCIAL SERVICES & XXXX XXXX XXXX XXXX XXXX XXXX ' response : " ALL warranty refunds go directly to the lender ''. Period. ALLY FINANCIAL SERVICES ' response : " WE apply the warranty refund to the BACK-END of your loan ''! XX/XX/2021 : I requested someone from ALLY ' Risk Management Team contact me. NO response from anyone until late XX/XX/2021. ALLY 's initial ( female ) representative reached-out to me and stated ALLY 's computer-screen response : " it's in your contract ''! I stated : " the provision is UN-lawful thus UN-enforceable ''!! the same as previous industry auto loan contracts that contained UN-lawful provisions, including, but not limited to : " the vehicle may NOT be removed from the state-of-purchase ''! said UN-lawful stipulation is NON-binding, HOWEVER, the balance of NON-contested loan provisions remain valid and in effect. early XX/XX/2021 : ALLY ' " XXXX '' called me and stated previous robotic-responses. I asked : " in which country does any type of refund request by a ( n ) y ) consumer be refunded directly to a " 3rd-PARTY ''? with my blatant and obvious NON-agreement NOR authorization/permission? " XXXX '' stated : " it's in your contact ''! I stated : " the provision is UN-lawful thus UN-enforceable ''!! the same as previous industry auto loan contracts that contained UN-lawful provisions, including, but not limited to : " the vehicle may NOT be removed from the state-of-purchase ''! said UN-lawful stipulation is NON-binding, HOWEVER, the balance of NON-contested loan provisions remain valid and in effect. ALLY, apparently, has UNILATERALLY applied MY {$1900.00} USD WARRANTLY REFUND to MY AUTO LOAN with : NO input from me whatsoever. I explained to " XXXX '' that I NEED MY {$1900.00} USD WARRANTY REFUND : to PAY-OFF a MINIMUM of four ( 4 ) credit-cards that will PERMANENTLY ERASE $ XXXX per month from my budget, thus making my new car loan much easier to pay every month, PLUS, also allowing me to PERMANENTLY PAYOFF multiple smaller-amount dental and medical bills that have since FAILURE by ALLY XXXX XXXX XXXX XXXX to ISSUE MY WARRANTY REFUND DIRECTLY to ME, ARE NOW ON MY CREDIT BUREAUS, DAMAGING MY FICO CREDIT SCORES by " SCORES '' of CREDIT POINTS! " XXXX '' stated that same would have his Manager, XXXX, reach-out to me ; that was weeks ago & counting. ( I AM 119 % certain that XXXX XXXX XXXX XXXX ALL OTHER AUTO DEALERS & AUTO FINANCIAL SERVICES ARE MISAPPROPRIATING FUNDS-of-CONSUMERS to LENDERS rather than directly to CONSUMERS! ) ADDITIONAL COMPLAINT : I was told at dealership that ALLY has ten ( 10 ) days to " re-consider '' loan. I received a letter from ALL dated XX/XX/2021, some 19 days after-the-fact that : " ALLY has chosen NOT to accept the terms submitted by XXXX XXXX of XXXX. Please contact dealer fro NEW TERMS/CONDITIONS ''! ALSO, the Finance Manager at XXXX XXXX of XXXX stated : " this part where you are signing, you are giving-up YOUR COOLING-OFF-PERIOD ''! how is it that ALLY has ten ( 10 ) days to " reconsider my loan '', HOWEVER, MY ten ( 10 ) days to " COOL-OFF '' is TAKEN-AWAY from ME? EMOTIONAL STRESS in XXXX! and then some. even for a reasonably HEALTHY HUMAN-BEING AKA PERSON! XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A