Date Received: 2023-11-25
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: Our closing was XX/XX/XXXX. On or around XX/XX/XXXX they requested closing disclosure which is one of the first documents they should have had. I called to ask why they were still requesting documents a week from closing and if we were closing in time. I was told I would get the clear to close by Thursday XX/XX/XXXX. On Thursday I called and was told the original mlo was on vacation and they didnt have the appraisal because the closing disclosure wasnt sent and the appraiser was on vacation. Then after getting the appraisal at the last minute it mentioned some cracks in the foundation. We had already had an engineer inspect it but didnt have a written report. Ally requested a written report which took another day and second report. In that time we had already sold our current house and had to come to a rental agreement with the seller. There was no guarantee the seller would do this but was kind enough to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: i have been struggling to make payments but i have been paying weekly to help get caught up. when i signed the contract for the auto loan the amount was for a total amount of {$54000.00} which included the loan amount of {$36000.00} and an interest charge of {$18000.00}. after divorce in XXXX i had a loss of income. covid 19 made things even harder and then a XXXX in XXXX just added to the complications. but i managed to continue paying whatever i could to avoid repossession. as of today i have paid {$54000.00} of the total due of {$54000.00}. they still want me to pay an additional {$8500.00} which is just more interest that i just cant afford and they will not accept anything less. i have already paid alot of interest and now instead of paying what my loan contract states they want me to pay a total of {$62000.00} and i just dont think that is fair and that i need some assisatnce as they are sending me letters that if i dont pay a certain amount by a certain due date the car can be repossessed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Year was XXXX, it was cold around winter. I had just lost my mom that summer, I was in XXXX FL. My girlfriend mom heard the tow man early morning around XXXX XXXX XXXX. Picking my car up illegal. Yes I was only late on my car payments almost 2 months but I let them know. They illegal took my car, the tow man said they had been looking for my car for a while. Which I don't know how, I kept up with GMAC and I was not that far behind to be repoed. So I called the next morning, GMAC told me yes that they illegally reposed the car, and I could get my car back if I had at least half a payment. I didn't they kept it, they sold it right under me, and they let me know they did. Never said anything about paying then. I moved to TX around XXXX XXXX I got a call about that car, it was a XXXX XXXX XXXX XXXX. Man said, I still owe I explained to him like it was explained to me. Like I'm explaining to these people who aren't GMAC they some scammers or bill collectors I don't owe on they illegally reposed my car they sold up under me. I was told they sold it for the amount I had left to pay on the car & {$4000.00}. Somebody paid it off for me. This is now almost 20 yrs these people are talking about I owe * {$4000.00} but can settle for like XXXX or something, they keep calling me from different numbers and states, talking about getting a lawyer on the case, and I guess prosecuting me. Putting this on my credit, wouldn't this already have been on my credit, if I owed GMAC. I have been on XXXX XXXX XXXX for over 20 plus yrs. All my bill collectors, have a clear understanding to this. When I purchased this vehicle which was in my name only I only had this one income coming in, my single home. Deposited a new message : " And unable to come to resolution call or handle this today on our secure mobile friendly website at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That's XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account will be forwarded to a local law firm for review. If no resolution is made, looks like there was a prior promise to pay but no resolution made. Stop this possible further action and or credit reporting if applicable, make sure it's handled today again by phone agent or website. We're giving you all options. '' Click here : to listen to full voice message. They call me from many numbers, different states that's a visual voice message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to the XXXX XXXX dealership for an appointment but I got greeted by the front desk person and another sales agent but it wasnt with the sales I had an appointment with but from my understanding I signed up with credit program that already approved me or to help me get approved or with my low credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: my credit information was pulled buy a company that i did not authorized to gain access to my credit information on XX/XX/XXXX, XX/XX/XXXX which was a hard inquire conducted by this institutions without my authorization, will be delighted if this rectified. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted a checking account dispute on XX/XX/XXXX for a purchase in the amount of {$590.00} from XXXX made on XX/XX/XXXX. I stated in my dispute that I attempted several times to contact XXXX but have been unsuccessful. I specified I reached out via phone multiple times ( voicemails not returned ), through XXXX messenger ( no response ), and through chat via their website ( no response ). My dispute with Ally Bank was denied. I was informed I needed to attempt to resolve the issue with the merchant. As I stated in my dispute, I have exhausted every possible option available to me to reach out to this company to resolve the issue and have not received any type of response from them. My order has not been received and my refund request has not been completed or acknowledged. Ally Bank clearly did not do their due diligence when investigating this claim and blatantly ignored the facts of the initial dispute. I was promised protection by Ally Bank for fraud, yet they are not following through on that guarantee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXX XXXX XXXX XXXX XXXX VIN : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit one application only, and that they only had power of attorney / permissible purpose for one inquiry to Ally Bank because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of seven ( 7 ) times to two separate institutions ( Ally XXXX and XXXX XXXX XXXX ), and also provided me with an adverse action letter for in-house financing, making eight ( 8 ) total deposits. Ally Bank received six ( 6 ) of those deposits, as evidenced by their own correspondence ( attached ). The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of eight securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. The Federal Reserve Act, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per 12 USC 1441 ( g ) ( 2 ). Since none of these applications were returned to me, and since ARS 47-3202 allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a complaint to Ally Financial , Inc for violating multiple laws in regards to the following account # XXXX. I had filed a cfpb complaint against this company to which they had responded that I had sign the contract. However, in Ally Financial , Inc terms and conditions they agreed not to share my information with non affiliates to which they stated the the credit bureaus is an affiliate. XXXX, XXXX, and XXXX is not an affiliate of Ally Financial , Inc because they are NOT " credit bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If they believe otherwise, I demand that they send me proof that those consumer reporting agencies are indeed bureaus and it must be written in federal law. Additionally, I demand to be sent the book entries security of this account to validate this information. If they can not provide this, then they must remove this account from all consumer reporting agencies such as XXXX, XXXX, and XXXX, and any and all other 3rd party agencies. Further more, this company is violating the fair credit reporting act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( Ally Financial, Inc ) making the report. Pursuant to 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Ally Financial, Inc ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. There are two inaccuracies with this account. The first is both XXXX and XXXX are reporting two completely different information which is already grounds for removal. The second inaccuracy is that this account is marked as a charge off / cancelled debt and that can not be reported due to the fact that the IRS considers charge off as income. So in addition to validating this debt by sending me the book entries security, I am now requesting a copy of my 1099c that was filed when this debt was canceled/ charged off on XX/XX/2021 as I never received it. Lastly pursuant to the fair credit reporting act, to be more specific 15 USC 1681b, This also serves as my consumer instruction to remove this account from my consumer reporting a.k.a credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A