Date Received: 2023-11-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have XXXX bank accounts, a checking account with XXXX and a savings account with Ally. The XXXX original balance was XXXX. The Ally original balance was XXXX. On XX/XX/XXXX, I wanted to consolidate accounts, so I started a transfer of XXXX from XXXX to Ally. XXXX is now XXXX balance and Ally should be XXXX + XXXX = XXXX. On XX/XX/XXXX, I forgot that I already did the transfer, so I accidentally made a second transfer of XXXX from Santander to Ally. XXXX is now XXXX and XXXX because of an overdraft fee. Ally should be XXXX + XXXX = XXXX. On XX/XX/XXXX, I realize my mistake and see that XXXX is overdrawn. I submit a transfer of XXXX from Ally back to XXXX to fix the overdraft. XXXX is now back to XXXX balance. Ally should be XXXX, which is the correct balance and the original goal of the first transfer on XX/XX/XXXX. XXXX shows the correct XXXX balance ( excluding minimal interest payment ). I don't know what happened on the Ally end, but they suspended some transfers and deleted the incoming transfer that would make my account the appropriate XXXX. Instead, they deleted the incoming transfer and kept the outgoing transfer, and now the Ally account shows XXXX ( original balance prior to incoming XXXX ) and the XXXX is completely lost. I contacted Ally bank and they created a case reference number but have no idea where the XXXX went that is still missing from my account. XXXX shows the correct bank balance of roughly XXXX. I have email receipts of the requested transfers from Ally, but Ally has " lost '' the XXXX and my Ally bank account does not reflect the accurate bank balance which should be XXXX. I am looking for the lost XXXX to be returned to my Ally account to reflect the appropriate balance XXXX. The correct final balances should be XXXX XXXX balance and Ally XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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, Ally Financial, has violated my rights. Under 15 USC 1681 Section 602, it states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, it states that a creditor may not treat a credit account under an open consumer plan as late for any purpose. Please assist in getting the late payment reporting from Ally Financial removed from my credit report. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: otice to Correct Credit Report Dear __________________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Item Number Company Name Account Number Comments 1.XXXX XXXX 2.XXXX 3.Ally 4.XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Sincerely, XXXX XXXX Name XXXX XXXX XXXX Address XXXX, Mi XXXX Town, State and Zip XXXX Social Security No XX/XX/1972__________ Date of Birth
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On Monday, XX/XX/XXXX at XXXX XXXX I received a phone call from XXXX. The man informed me he was with Ally something and that I had a debt owed from XXXX XXXX XXXX XXXX XXXX. I explained I had discharged that debt in bankruptcy and he is not allowed to call me on it. He said that wasn't true and I still owed the money. I said that is not true and hung up. I discharged this debt on XX/XX/2007 case number XXXX US Bankruptcy Court Eastern District of Arkansas XXXX XXXX XXXX It has been XXXX years since this was discharged and they should not be calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72205
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: leased a XXXX XXXX XXXX from you, which was subsequently stolen from him from his work parking lot on XX/XX/XXXXXXXX XXXX XXXXXXXX. Apparently, it was not recovered by the police until more than a year later. Through no fault of my client, the thief put a lot of miles on the car while it was in his or her possession. When my client had the oil changed In XXXXXXXX XXXX XXXXXXXX, however, the mileage was only XXXX, as the enclosed document shows. When the police recovered the car, on the As a result of the high mileage, which was due to the actions of an anonymous thief, you chose to place a negative reference in my client 's credit report. You claimed he owes you {$3500.00}, due to the high mileage. He did not violate the lease agreement, however, as he did not place the high mileage on your vehicle. These are facts which can be proven. Please contact me after you receive this letter, so that we may discuss this matter, further. I am hopeful that we may resolve this matter to everyone 's satisfaction. Sincerely, 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: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: am responding to ally credit cards response dated XX/XX/23. Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX. I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it Im going to sue alley credit for damadging my credit report. Do mot close this out and dismiss me. I gave told alley credit again and again and again i did not make the current charges on the account.i have shown that XXXX closed out my account cause of fraud. I anitally made purchse from XXXX using this card i did return some things and recived credit for that and initally had called in to dispuited those charges than XXXX gavevme credit. Then i saw these other charges and i spoke with XXXX and told them i had not made them and they investaged and closed my account and stated that it had been hacked and that thid card was on file and somone went in and made to my account and made purchases using this card. This is not fair nor right that i am punished for charges i didnt make. Im getting harassing phone calls almost everyday asking for payment. This needs to stop no one at ally knows what they are doing everytime i call the give me the regular dispuite department instead of fraud. I have contaced the attorney General of the state of ohio the XXXX and consumer reports this is ridicilious i demand that these charges bee taken off my account and that a complaint be filed against this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Unilateral agreement of credit extended by me to dealership was misused by dealership. They did not adhere to usc codes governing fiduciary duties. Ally is now a holder of lien of title and has not and can not be the possessor of my property! Futhermore my extension of credit to the dealership was not offset and i was not forwarded any information or instruction on how to offset any amount full or partial at the purchase of the automobile. The third party must prove that they are the registered owner of my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
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, ALLY FINANCIAL 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: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: From XXXX I made various attempts to change my last name with Ally Financial. I was directed to call the XXXX customer service line because I need to, and quote " speak to another department ''. After making these attempts, when payments would try to clear my account they were getting rejected because the name did not match. XXXX XXXX sent me a letter stating if anymore ACH transactions tried to clear under the name " XXXX XXXX '', my account would be frozen due to fraud security which in fact did happen. After making several attempts to pay balance in good faith ( with available funds ), Ally Financial denied taking payment via over the phone with debit card. Once a few payments were made with Ally Financial via XXXX XXXX and XXXX XXXX, the fee charged through those entities were requested to be posted to the balance owed on the loan. Ally Financial refused to post the amount to the loan. And in the contract between myself and Ally Financial does not state that I have to pay XXXX XXXX or XXXX XXXX using debit is also a way of receiving secure funds, and Ally Financial denied payment of the loan using this method. Also, no communication via letter, required by PA state law was sent certified by mail in regards to repossession of the XXXX XXXX XXXX, not to the garaged address nor my husband 's former address where they attempted to pick up the automobile.. Then the company attempted to repossess the automobile twice without notice, after refusing to take payment via debit card by phone method or via Ally Financial App. After hiring an attorney, Ally Financial stated they could not speak with me, and would need to speak with my attorney. And after providing my attorney 's information, they stated they did not have it. I had to provide her information several times before any attempts to contact her was made. After one call to my attorney 's office, a call from my attorney was returned to no avail. 1 call to my attorney was made after several months of attempting to make payments using my new legal name and giving Ally Financial my attorney 's information. My attorney even wrote to Ally Financial via using their customer service emailing method and again no return email of phone call. After giving the company avid time to respond to my attorney, and stated that if the company did not respond in the allotted amount of time they would forfeit any amount owed. No response to me or my attorney was received AT ALL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A