Date Received: 2023-11-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had my card with Ollo, which was bought out by Ally Bank. My Available credit was {$1600.00} with Ollo and Ally kept it at {$1600.00}. I made my payments on time every month and made a purchase over {$400.00} in XXXX, still making all payments on time. In XXXX for unknown reasons Ally reduced my {$1600.00} credit availability down to {$600.00}. Without notice, this in turn made the {$400.00} left from the XXXX purchase equal over 50 % of my available credit on the card. If they would have told me this was going to happen I would have never made the purchase with this card. I never missed a payment or was late on payments, there was not change to my credit report or negative action that would have caused this. Due to this my credit utilization is over 50 % of the credit on the card which lowered my credit score. Ally bank has several ways to reach me : mail, email, in account messaging, text message, phone call, they did not send one single correspondent to let me know they were going to lower my available credit nor have they responded to my inquiry as to why they did this. I was able to get a rep on the phone and she could not find out why they did this but was able to find out the day they did it which was XX/XX/. She also stated She does not see any actions on my account that would cause a decrease and of this magnitude. This is not how consumers should be treated, I have never had a bank do this to me. Nor can it possibly be an acceptable practice by law. Please let me know what can be done to rectify this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: my husband and I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX to attempt to trade a vehicle I purchased there 14 months prior. The sales guy, XXXX, said the negative equity was too high, so a deal could not be made ( technically it could, but he seemed eager to let us walk ). I took my children home, annoyed after XXXX walked away without saying anything. My husband stayed and inquired about trading his truck, XXXX XXXX XXXX XXXX to get the car I wanted, and he would take my car. XXXX told my husband his truck would be a wash, meaning no negative equity, and it would basically be like starting from scratch. My husband came home to discuss with me and we went back, with our young children in tow. We started to look at vehicles, but this time we were dealing with sales guy XXXX, like the XXXX XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX In XXXX. I test drove both, only to find out the XXXX was more expensive than the XXXX, so we started to consider the XXXX more. They had one in the showroom that my daughter liked. It had a red tag sale sticker on it for {$50000.00}. The window sticker showed an MSRP on {$53000.00}. We were told there were great rebates/sales, and we could get it for the red tag sale. It had everything I wanted/needed, yet I was torn between the one in the showroom ( which is white ), and the one I test drove ( which was red ). I was told the red one was {$400.00} more purely because it was red, but they would give it to us for the same price/payment as the white if that's what we wanted. XXXX proceeded to hound me to pick a vehicle. My husband and I let our XXXX daughter pick, and she picked the white one. We started crunching numbers, and it came down to XXXX down, and the payment would be $ XXXX ... which seemed a little high to me, but I didn't question it. They took the car for detailing. My husband was the one to sign papers. We had been at the dealership since XXXX with our XXXX XXXX XXXX and XXXX XXXX XXXX and wanted to be done so we could get them home, it was XXXX. The finance manager scrolled through documents to sign so fast your head would spin. Not much explanation, other than to offer an additional extended warranty at no charge since we were returning customers. We agreed and my husband signed. I didn't read over any documents as it was late and my XXXX year old was throwing a tantrum in the finance office, understandably ready to go home. We were exhausted. We did a really quick walkthrough of the car, and that's when I noticed finger prints all over the window. I thought it went for detailing? XXXX said it did... we wiped it down. He did a very quick walkthrough with me, and left. I started the car, to find that the battery for the XXXX had not been charged. Annoyed, but tired. I drive home... I get home and my husband asks " why are the lights off? '' XXXX told me he put them on auto, and it seemed darker than usual as I drove the XXXX minutes home, only to find I drove home by the light of daytime running lights. Yikes. I spent the next day configuring settings, XXXX issues that should've been done the day before. Anything I didn't figure out I was going to address when I went back Friday, XX/XX/XXXX to drop off my down payment of $ XXXX. Come Friday I go to drop off the down payment, and on my way out the door, I'm harassed by XXXX XXXX who called me XXXX 4 times before I corrected her ) in front of a full showroom for a " bad review ''. I had no idea what she was talking about, I gave all 8s and 9s and some 10s on the survey I received. She proceeded to tell me I got a great deal and I should love my car and my review was awful. She said she was going to get a copy of the review, but never came back. Instead she sent XXXX over, who, at XXXX, proceeded to tell me that 8s and 9s aren't good, he was expecting all 10s. I was asked to rate my overall experience, and I wouldn't call the back and forth, ignorance of the sales guy, and then amount of time it took the get everything done, a 10/10 experience. I left, extremely annoyed. I thought, I just handed you a check for $ XXXX plus first payment, and you want to talk to me like that, accusatory and rude? When I got home, I started to look through the paperwork for the car, trying to find the account number so I could set up online access to make payments. I found the buyer 's order, which showed the original MSRP as the price of the vehicle. There were many documents in that folder, and not a single one shows $ XXXX for the car. I then see {$2000.00} in negative equity for my husband 's truck. I was shocked, because XXXX, XXXX, and the guy at the front desk who put the deal together, assured us there was none. On the next page, I see " extended warranty : {$500.00} ''. Again, shocked, and now very angry. We were told we were getting that for free! Also, the payment increased from {$610.00} to {$610.00}, which I didn't understand. I immediately submitted a complaint to the XXXX. XXXX XXXX XXXX responded, apologizing for XXXX 's behavior, and offered to credit back the extended warranty. I asked for a refund and was told no. The response time between original complaint and response was about a day or two. In the meantime, I find I'm having issues with the right passenger sliding door ; it won't open. I put the button, nothing. When I pull the handle, it beeps at me and won't open. There's a rattling in the dash when I go above XXXX, and the volume on the radio is extremely low when I make outgoing calls, but extremely LOUD for incoming calls. Yet another bunch of issues. On my way home from work the next day, Monday, I told my husband I would go to the dealership to talk to the GM. As we were talking, I hear/see something out of the corner of my eye... .there 's something hanging off the car in between the front and back passenger windows, just flapping in the wind. I pull over on the very busy highway that is XXXX XXXX, to find the window panel just hanging off. I try my best to shove it back on. I get back in the car and continue to drive home. XXXX. the piece flies off and hits a car behind me, and I'm so grateful it didn't do any damage. My husband agrees to meet me at the dealership to talk to the manager together. Once again, our kids in tow. The GM, XXXX, talks to me in a voice that sounds very condescending, instantly annoyed, and not very sympathetic to my complaints/concerns. He repeatedly tells me we got " a great deal '', that he made " no profit '' on the sale of the car, and just danced around the issue. I mentioned the wrong price numerous times, and he barely addressed it. He just said " well your husband signed the documents, it's a done deal. '' I complained a little more, and he offered me {$1300.00} ( which covers half the negative equity and the {$9.00} over 36 months, which is the difference between {$610.00} and {$610.00} ). I'm not satisfied with this response/resolution, but I take my kids home ( again, another late night at the dealership ). The next day I email XXXX a breakdown of the amount of money we lost on this deal, and ask for it to be refunded. We go back and forth and he repeatedly says no. It's gotten to the point where he's stopped responding. I have an appointment with service tomorrow to fix all of the issues for a car I've had less than two weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/2023 I tried to use a consumer credit transaction at XXXX XXXX XXXX XXXX. from the moment I entered the dealership I felt discriminated against. I gave them my name social security number and signature for a XXXX car. I was denied because of the amount of income I wrote on the application. they also told me they would not run my credit which they did as well with out giving me an adverse decision letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 mutiple inquiries came onto my credit report and days after to and i think someone has my social security number and trying to get things in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
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 some fraud activity on my account back in XXXX of XXXX I was disputing with XXXX card services, I believed it was resolved but in XX/XX/XXXX I received a card from Ally bank with a new credit card? I open the envelope and I activated the card and turned out ally bank now owned my XXXX account but it had a {$800.00} balance? So I called ally bank to find out what this card balance was and was told it was rolled over from XXXX bank? So I explained what had happened with the fruad and they started a dispute & credited my account on XX/XX/XXXX fir {$550.00}? Which did not include all the late fees that they added for not making payments, I called and explained why I was responsible for the fees when I believed the XXXX account was closed or resolved because I did not get any correspondence from any of the banks until XX/XX/XXXX 9 months later?? Now I open the app to check if this has been resolved & it says I currently have no open accounts with ally bank? So they resolved my fraudulent charges by closing my account? Charged off?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They have reported XXXX overdue 60 day and greater, every month since last year. I have my credit report from last year which is completely different. The old report from last year shows Ally reported monthly and payments were up to date consecutively for the year, 2022. Since, I have had such issues with them accepted payoff etc, another complaint with Ally, they have now changed my payment history from 2022 until now. They have " revised '' my payment history making my credit score drop over XXXX points. This is now making it very hard to apply for a new used car loan with the new credit score the have imposed. Also, they will not close my account. They are adding late fees to me to pay, all the while my car was reported to them as a Total Loss. They refused to give me the payoff, then waited since, XX/XX/XXXX ( date of loss ) to accept payment and complete payment information needed by XXXX XXXX. They are making me pay for the delay and their refusal to accept payments. Refuse to give me the reimbursement for XXXX insurance that I paid for at the beginning of my loan!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This complaint is for Plus Finance again due to me not knowing where to email other information. It's the same Company but a different complaint. Since being a victim of Identity Theft not once but twice within one year have put a strain on my credit so bad that i had to freeze my credit at all 3 Credit Bureaus. Therefore requesting settlements is my only option right now. A settlement isn't the full amount but Companies should consider that despite any setbacks and financial hardships that a customer may experience in their Life and although it's not the full amount Companies should consider it that a customer is still trying to do the right thing and pay off their account. This complaint is against Plus Finance again but this time for lying to the CFPB. Any Company that blatantly tell lies to the Consumer Financial Protection Bureau should be put out of Business. Plus Finance have lied to the CFPB and need to be held accountable. On XXXX i received an email from the CFPB stating that Plus Finance requested that they be given more time to respond by the CFPB. Their request was approved. I called Plus Finance on XXXX and i spoke to 3 different agents. The first two agents told me said my settlement request was denied and a letter was sent to me yet the first two agents couldn't tell me what date the letters was sent on and played on the phone like little kids. I ecplained to this Company that i'm now PERMANENTLY DISABLED yet they refused to work with me. Any Company that have not one kind of program for if their customer becomes XXXX, Laid Off, or Death shouldn't be in Business. CLEARLY customers have been lied to by Plus Fibance. They never increased my acvount the other {$500.00} after keeping my account in good standing and they refused to Honor their own offer for a {$500.00} credit limit increase after 5 months of on time payments. I contacted Plus Finance on Thursday XXXX to check the status of my letter i sent requesting a settlement. The first agent wouldn't give me her name. I told the first agent that i sent a Correspondence letter two months ago. The first agent stated, " oh your settlement was declined and we sent you a letter. '' I then asked the agent " on what date was the letter sent? '' I requested that the first agent get a Supervisor which she didn't get one.The first agent couldn't tell me when the denial letter was sent out so she put the phone down and simply transferred me without asking me if i wanted to be transferred and she didn't tell me i was being transferred. The second agent came on the phone. I hate repeating myself and i usally don't for anyone so i had to repeat the same information to the second agent. I told her about the letter i had sent two months ago. She then tell me basically the same thing that my settlement off was declined yet when i asked her the same thing and yet the second agent laid the phone down and started playing music in my ear. XXXX left me on a long hold. The third agent name was XXXX who tried to Intimidate me by telling me do i know the calls are recorded which i informed XXXX that i'm always aware that calls are recorded. XXXX then ask me to be put on a hold for two minutes. I informed XXXX that i had a rod in my neck and my spine so i can't be on any long calls. XXXX put me on hold. It was longer than the few minutes she told me. XXXX then says Plus Finance did decline my settlement offer but there haven't been any letter sent out to me. This clearly prove that Plus Finance employees will blatantly LIE about anything including requesting more time. Plus Finance haven't reached out to me not one time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following are hard inquiries placed on my credit report without my knowledge or permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Financial XX/XX/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: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX a fraud charge of {$650.00} was placed on my Ally debit card without my consent the card was lost and used. I filed a dispute and it was denied because the bank said i had 2 prior charges which i did not notice till after the dispute was already filed. Ally refuses to give me my money back on charges I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Got a truck loan from ally financial month later was laid off. Made payment on truck till XX/XX/2023 I was 29 days late I called up ally financial to see if I could get an extension but I wasnt qualified yet. So I ask the representative if I pay the payment today will it be marked paid and not hit my credit report 30 days late she said yes by XXXX XXXX on sat XX/XX/XXXX if u pay by XXXX XXXX you will be marked currant not 30 days late. I paid the payment XX/XX/XXXX at XXXXXXXX XXXX I then asked her again will this be good to go wont hurt my credit she said your all set. I made payment w her on the phone I guess they use third party people for this they did not tell me it wasnt gon na be marked that day.. the ally app that I use to pay my payments regularly was not in working order that day it said down for maintenance. So I couldnt pay on line I had to call and use check over the phone. I had asked this lady atleast 6 times this wont hurt my credit she replied no your all set. The next day XX/XX/XXXX I got an alert on credit report that I was 30 days late on my truck payment. Now that made my credit score drop XXXX points I am buying a house at the end of XXXX but Im not gon na be able to do this now due to them reporting me 30 days late. I called many times to get info on this i did get a XXXX XXXX and she had her supervisor look at this and she even said it shouldnt of hit my credit report it was paid on the XXXX th day. The file has notes that it was paid in time. That supervisor XXXX XXXX I been trying to get in touch w her no results they did record the conversation so that should be accessible I was told it wouldnt hit my credit and it did now Im having many Repercussions for this action they did.. I did get a call from a XXXX XXXX opt XXXX she said she would be looking into this but said if she cant find any reason to take it off report than it stays. Now the other supervisor agreed it should not have hit my credit report the lady who took my payment told me I was good to go and also the website app for payment was down for maintenance XXXX said had I used the app that it would have posted that day how can I use the app if it was down for maintenance that day but also told from two different representatives there on on Friday XX/XX/2023 and XX/XX/2023 that if payment is received by XXXX XXXX Saturday XX/XX/2023 then I would be good. I want this 30 day late removed from my credit report immediately they can do a good will Deletion to remove this and. Need a deletion letter for my mortgage loan. I think this was unfair to me being told that I was good from two people and then from a supervisor that it shouldnt be on my credit report. Please help me thank you..ally Financial is the company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A