Date Received: 2023-11-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial - XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
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: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: who it may concern ally financial is still showing this account is closed with a Balance .and a repo on my credit file .CONGRESS PASSED THE FCRA LAWS WHICH ALLOW YOU PERMANENTLY REMOVE YOUR NEGATIVE ITEM FROM CREDIT REPORT USING MY 609 LETTERS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid Credit Card on XX/XX/XXXX, but scheduled for XX/XX/XXXX when it was due. On XX/XX/XXXX, I changed my mind & requested it be paid that date. They processed both payments, instead of one. I contacted my bank & the bank reversed the XX/XX/XXXX pmt. On XX/XX/XXXX, I went online to pay XX/XX/XXXX bill~website would not accept. Called customer service again; was told there was a 'block ' on my checking acct. They asked me to get bank to give me a letter verifying that I am the authorized user of my checking account. My bank refuses to do letters ; their policy. Instead, I went to bank branch and Mgr gave me a direct deposit slip with my name, routing & acct # s. She would not sign or date it... I emailed to Credit Card company so they'd 'unblock ' the checking account. On XX/XX/XXXX, thinking this matter was resolved, went online to pay the XX/XX/XXXX payment ~ still blocked ( " negative status '' ). So I mailed them the check for {$48.00} and asked that they not access a late fee, since this was not my fault. They processed the check which cleared the bank on XXXX. I went online today to make the XX/XX/XXXX payment ~ checking acct is still blocked! They also charged me a {$29.00} late fee ~ one billing agent said she'd waive the late fee. Then transferred my call to try to get my checking acct " approved '' online. I asked " If you processed my check on XXXX~from the same bank with my information on the check~why can't they accept an online payment? They even sent an email telling me " We got your payment. '' [ One Customer Service agent I spoke with told me I needed to get another form of payment, like opening up a new bank account. I'm not doing that ... and shouldn't have to. ] The guy I spoke with re Acct Authorization said he will resubmit to their " team '' for further investigation, but as far as he was concerned, the direct deposit slip wasn't good enough... nor was the fact that they've already processed a check from my bank account. ALL of my accounts have " perfect payment history '' ~never late... until this! Attaching 20 pages of this saga. All I'm trying to do is make a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Lender submitted hard inquiry... Without request from me..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My name is XXXX XXXX and I live at, and own a home at, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I appealed my property tax rate and received a successful decision to reduce my property taxes from a total of {$29000.00} per year to {$20000.00}. On XXXX separate occasions beginning on XX/XX/2023 I requested that Ally bank, my mortgage service company, review my escrow estimates for the next year so I would not be charged an overpayment of almost {$9000.00}. They have multiple times mis-calculated my new monthly escrow payment and most recently, on XX/XX/2023, they are calculating my monthly escrow payment based on an annual tax payment of {$27000.00}. I provided a summary letter, the annual calculations, the decision on my property tax value from the local taxing bureau and annual tax exact calculations that cover all 3 types of homeowner property taxes ( local township , county and school district ) that clearly demonstrate the {$20000.00} total. At this point, Ally bank are either incapable of completing simple mathematical addition or outright fraud. I need this fixed without another 30 day delay to try again to recalculate my escrow payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15101
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial XXXX XXXX XXXX, XXXX XXXX Acct # : XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On { XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. The dates you claim Im late shows up in XXXX without a date } you reported transactions from account XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XXXX and XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was contacted by phone on XX/XX/XXXX, about being late in making payments on a credit card. After talking to this customer service person, I realized that this was fraud as I had never personally applied for a XXXX credit card from Ollo/XXXX XXXX XXXX in XXXX of XXXX, and in fact had never even heard of this credit card company. On XX/XX/XXXX, a fraud claim was opened up by Ollo. This account was eventually turned over to a debt collection company by the name of XXXX XXXX. I was able to get information from XXXX as to how access this account, important details about the account, and how to report fraud. I am filing a CFPB fraud report today XX/XX/XXXX, so that I can get this matter straightened out, mail this CFPB fraud report to XXXX XXXX and I hope to have the amount of {$990.00} removed from my credit score which is the amount that was racked up on this Ollo credit card on XX/XX/XXXX, in a U.S. state that I was not visiting at the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a credit card from XXXXOLLO CARD SERVICES on or around XX/XX/XXXX or XX/XX/XXXX I tried to use my credit card and it said it was macked out. I called the Ollo bank customer service number and the woman said I went over my credit limit. When I asked how she said someone used your card to purchase a bunch of online games for XXXX or XXXX. I told her it wasn't me and that my XXXX XXXX XXXX son must have used my card and I DID NOT authorize them charges. She said it didn't matter that I had to pay for the charges anyways. So I closed this account. I recently received notice from ny state attorney generals office that this is illegal to charge me for UNAUTHORIZED charges to a persons credit card. They did say that the call was being recorded so if they listen to the recording from these 2 dates you can here the woman stating that I'm reliable. Which by ny state law I was not responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied to finance a XXXX XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX. Ally financial obtained a copy of my credit report and per the dealership it was denied due to Ally financial requiring a significant amount of money for a down payment or a co-signer. However, the amount required for down payment was not specified. When I contacted Ally Financial and spoke with XXXX with employee ID : XXXX to obtain terms or reason for denial she informed me she nor Ally Financial can provide me the requested information but it can be obtained from the dealership. I am still without a vehicle and not given required stipulations such as down payment amount and or terms.
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: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I leased a new car thru ally, XXXX years ago. No problems whatsoever during the term ; in fact, I extended the lease for 6 months ( also no issues ). I rarely drive the car ; it is in near-new condition with only XXXX miles ( with the exception of recent damage to the rear ). On XX/XX/XXXX, a lady backed into my parked car. After inspecting the collision spot, there appeared to be little damage -- a couple scuffs. About 3-4 weeks later, while approaching my car in the evening, I noticed that there was, in fact, damage I didn't see at first. XXXX slightly, the rear XXXX panel was pushed in ( I am almost certain that the entire rear of the car would need to be disassembled and that panel replaced ). I contacted Ally the following day to ask how to handle. I informed them of the issue, and asked about the protocol when an accident occurs this close to the lease end date. The Ally representative just told me that I needed to have the car in by the date, or I would be charged a daily rate of {$50.00} until they received the car. Knowing that having the car repaired in the short time frame was unrealistic, I asked them who would be responsible for any damage that this lady ( who backed into my car ) caused. The rep explained that I would be responsible. I inquired about submitting a claim thru her insurance, and he just repeated himself about me being responsible for any un-repaired damage incurred. I was kind of shocked -- To the point where I was willing to buyout the car, JUST to get it repaired, only to then hopefully sell it ( XXXX XXXX dont hold their value, and ultimately, I did not want to keep it ). SO .... I requested a buyout estimate - which, btw, Ally is very clear to state on this letter that it is only good for ONE day. Well, each time I would send this buyout letter to the dealership ( Florida does not allow consumers to buyout car directly ), the dealership would tell me they needed a current/valid buyout letter. AND ... Each time I called Ally to request a new letter, they would again date it for the day of request, BUT.. since the letter takes " 24-48 hours '' to generate, it always arrived OUT OF DATE ( 3 or 4 times in total that this same result occurred ). I felt like I was being pranked. The dealer couldn't ( wouldn't? ) even provide me with the loan interest rate, because they didn't wasn't to be responsible for supplying incorrect numbers. Unbelievable. Finally the dealer just told me that he understood if I " didn't bother with buying the car ''. So, again, I am stuck between a rock and a hard place. 3.5 hours a day on the phone with Ally, only to be transferred all over, and never a solution. I mean, HOW HARD IS IT TO SUBMIT ANOTHER PERSON 'S INSURANCE TO TAKE RESPONSIBILITY FOR DAMAGES?? This can't be the first time something like this has occurred. **and btw, I did try to file a claim with my insurance, but XXXX informed me that even if I was not at fault ( wasn't even driving ), the claim would be filed on mine, so my record would get dinged. SO.. this past Tuesday, I found the phone number for the lease end department, and spoke with a guy who assured me that a supervisor would be contacting me within " 24-48 hours ''. At the 48th hour ( yesterday at XXXX ) I called the department back. The lady on the other end explained that there was nothing she could do further. That a supervisor request had already been submitted, so I would just have to wait. She also informed me that her two supervisors were out of the office all day on Wednesday, so " that's probably why they haven't reached out yet. They're backed up ''. Meanwhile, Im getting charged $ XXXX for a car Im not driving. XXXX ( the insurance of the driver who backed into me ) has already started a claim, however, Im stuck in holding pattern, bc I'm worried that if I turn it in, that XXXX won't be able to get it repaired. And if I hold onto the car, daily fees accrue ( which has now been since XX/XX/XXXX ). As of today, nobody from Ally has called me back. I have no idea how to proceed. I want this car gone, and I also dont want to be held responsible for damages due to someone else 's carelessness. SUCH A MESS. From the get-go, I was not provided the necessary correct information in order to handle this situation properly. Instead, I was passed around like annoying desk paperwork nobody wanted to attend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A