Date Received: 2023-11-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/XXXX one time pay as well as auto pay charged me XXXX twice I did not authorize this, and Im simply requesting a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: The following charges were made to my Ally Bank credit card. I did not authorize these charges. Ally Bank states they are valid charges. I have disputed these charges with them several times. Ally Bank is not helpful in resolving this matter. Please help. Thank you. XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXXXXXX {$29.00} XX/XX/202XXXX XXXX XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXXXXXX {$29.00} XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32129
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My car loan has been paid off for 3 years and they have refused to give me my lien release. When I call the company they state they cant find my account but can see my loan is paid off. I have called 3 times and each time they state they cant find my info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: During the return, I provided the dealership with both sets of keys, and the appropriate paperwork was processed to confirm this. To my shock and disappointment, I was later charged an unwarranted fee of {$790.00} by Ally Financial due to an incorrect claim that only one key was returned. I quickly acted to reverse this mistake by Ally, reaching out dozens of times, speaking with various managers, and even opening a formal claim to have this unfair charge removed. Despite my many efforts, this issue went unresolved and the claim went unclosed. Later, with no communication or response from Ally regarding the claim, I received a letter from a collections agency for the balance of {$790.00}. In the interest of preserving my financial standing and anticipating a resolution from Ally, I decided to settle the {$790.00} charge, even though I firmly believe I did not owe this amount. All of this was done to avoid damage to my credit score which was unfairly impacted and damaged by Ally Financial and their careless practices and lack of disregard for their customer 's outcomes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple inquiries from car loans and one inquiry for a mortgage loan that I did not authorize. I submitted an FTC report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been with Ally since XX/XX/2023 and before I was with Ollo credit card services. I have never missed one payment nor was late with Ollo. Ally takes over and since XXXX I have had late payments every month. I have auto pay scheduled how is that even possible? I call in after I get a text that my payment is late and I am thinking I am set up for auto pay there must be a mistake. I call Ally and they tell me they see the auto pay but it is not making it to process. How is that my fault? I have had the same checking account same system for years. They do not know themselves. Well XX/XX/XXXX I get a text message that my payment is again late and I call in and with the rep she and I both look and see the auto pay is set up she apologizes and gets a man who is supposed to be escalations supervisor but does not have the authority to credit the late fee because Ally has already credited 2 of the late fees and it has to be approved by a special department. He did not offer to even see why the payments were not making it to process but he as well did see the auto payments coming out on the due date. I have had enough and this is not what I want to be late on my credit cards month after month and then have to ask for a return of a late fee that is not even my fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08302
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: Back in XXXX, we filed bk XXXX and were XXXX in XXXX. We thought that the second mortgage was removed because ever since the bk was XXXX, we never received any statements or any correspondence from the XXXX. Until after we thought of selling our home, that was when we found out that we had XXXX liens against our property. The broker could not locate the mortgage company at that time. I had to do my research to find out what the mortgage company was. It took me a long time to know that XXXX was sold to Ally Bank. When I reached out to them, they told me that we owed $ XXXX because it accrued interest for almost XXXX years. They mentioned that we were delinquent for over XXXX months The original loan was $ XXXX. That was the only time they started sending me correspondence about our loan. We find it unfair that they never sent us anything before for that many years ( 20 years ), and now they're saying that we owed this much. We could have done something about it before had they sent us some type of statement but they never did. They mentioned that it can go to foreclosure. I had tried to reach out to Ally Bank to request a resolution and applied for a loan modification so that it wouldn't go to foreclosure. Since XX/XX/XXXX, I have been trying to communicate with them and ask for help. I sent them the application for modification and all the required docs many many times but they tend to give their customers the run-around. I have sent them all the needed docs via fax, via email, and mailed them as well. I always had to resent the application and resent the required docs. It was very frustrating to hear that they always was missing docs when every piece of document we sent over and over again. We were trying to do our part but they seem to not do theirs. We feel that they are doing the run-around so that they can foreclose my property. It has been over a year and XXXX that we have been trying to work with them but they aren't willing to help us. The balance keeps growing and It's unjust that they aren't fulfilling their responsibilities even though we are doing our best. All the calls are recorded supposedly. I have proof of emails from way back. I would like to ask for your assistance. Now that they know that the property has equity, they send us correspondence and even try to scare us that they can foreclose it. This lien has been dormant for almost 20 years. I believe it is just right that they remove this lien from the title. I can send all the proofs of communication if needed. Your prompt response would be greatly appreciated! Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These hard inquiries do not match any current accounts that I currently have. Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A