Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Have many unauthorized inquiries. I never consented for my credit to be pulled
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My credit card company went from OLLO to Ally bank. Immediately my monthly payment went up almost double. I can not afford to pay this because I am on XXXX. In no way has either of these companies try to work with me. When I asked for a phone call from a manager on a non-recorded line. Ive asked over 15 times. With over 25 phone calls from them. They call and then they hang up expecting me to call back. Ive asked for multiple pieces of information in regards to this account including a validation and a current billing statement with all of the debt included and interest and fees etc. etc. currently they are compounding interest on top of late fees and failure to pay monthly payment. Ive tried to work with them to no avail.
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: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. This showed it was done on XX/XX/2023. On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, ally financial, XXXX XXXX again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX ally financial, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX to purchase a Used XXXX XXXX XXXX XXXX XXXX. I saw the car in XXXX and called the dealership and verified the car was still available. I then proceeded to go see the car and take it for a XXXX XXXX. Upon arrival of the Dealership I met with Salesman XXXX XXXX. XXXX was very nice. I advised him what car I was interested in and he advised it was available and proceeded to recover the car from their inventory for a XXXX XXXX. I went on a XXXX XXXX and found that I really enjoyed the car. I did however, thought there was a slight inbalance in the stability of the car and thought it might be a tire. Overall, I liked the car and wanted to proceed with a purchase. Upon returning to XXXX 's desk, I did mention the issue of the ride, thinking it was a tire. He didn't respond, but acknowledged the comment. He then introduced me to XXXX XXXX, who I believed was a XXXX of the store. XXXX and I began to discuss the Trade I had, a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Miles at that moment. After some negotion, we agreed on an " Out the Door '' Price of {$21000.00}. This was the Net Price after my Trade. The Original Cost of the Car was $ XXXX breakdown was itemized as follows : Cost of Car {$34000.00} Secured Theft Protection {$470.00} Trade Allowance $ ( XXXX ) Registration {$130.00} Documentation {$790.00} NEW JERSEY SALES TAX {$1300.00} TOTAL NET SALE : {$21000.00} That all being said, it seemed like a fair deal. However, I did not want or ask for the above mentioned Theft Protection, yet later learned that it was added in my Amount Financed, but not displayed on the Retail Installment Contract. It was then decided, that as opposed to a full cash payment of the XXXX I would XXXX the XXXX. I then met with XXXX XXXX, XXXX came over, introduced himself and asked me for my Social Security number to run my Credit Report and my Address. I provided them both. Several Minutes had then passed and XXXX then came to retrieve me from XXXX XXXX so that we XXXX go Close on the Terms of the Loan. When I entered XXXX 's office, I noticed that XXXX had both of his Computer Monitors facing away from the XXXX XXXX. I sat at XXXX 's desk and he put in front of me a small electronic signing device, he explained to me that he would explain each document to me then would have me sign. While I thought this was odd, I naturally assumed he was acting in XXXX XXXX. He begain by giving me payment options, he asked me how long I wanted the XXXX of the XXXX for and he offered me Terms for XXXX, XXXX and 60 Months. I chose the 60 Months. We then discussed a Tire and Wheel Policy that would cover my Tire and Wheels on the car, stated to me the prices of Financing the Tire and Wheel Policy which was a cost of {$1200.00} +Taxes of XXXX {$120.00}. I elected to Pay the cost of the Policy up front via a Credit Card and he stated he would add {$2.00} to my Monthly payment to cover the Taxes. I asked to see the XXXX Scores he had, he showed me a high Score of XXXX and stated that my rate was 11.24 %. This appeared a bit high, considering I have paid XXXX car loans in good standing and I pay my current bills on time. Needless to say, we proceeded. XXXX stated that my 60 Month Term resulted in a Monthly Payment of {$470.00} and he added the {$2.00} in for the Taxes ( Tire and Wheel Policy ) for a total of {$470.00}. While not providing me any physical documents througout the entire process and my soley relying on his explanation of each I proceeded to sign all that he asked me to. He than XXXX me and thanked me. He provided me a XXXX XXXX with what he stated had a copy of each document that I signed. Upon arriving home, in my new purchase, I proceeded to review the documents. That is when I discovered some things that I questioned. XXXX, during our Closing XXXX stated to me, that the XXXX for my Tire and Wheel XXXX he would show me as down payment, he asked me if that was ok and me not knowing any better agreed. However, while he showed the {$1200.00} as a Down Payment of the Tire and Wheel Policy, he also showed it listed in the " Items of Amount Financed ''. That being said, this number was carried into the XXXX XXXX XXXX. I was a bit confused bye this as I had given XXXX XXXX Credit Card so he can not add it in the Loan and Charge it outside of the Contract. This Item appears as though he added it to my loan. Further, with regards to the {$470.00}, secured Theft Protection intially shown on the negotiation document, I didn't want that, and yet I signed for it and didn't know that too was added in my XXXX. Again please recall he never presented me with the XXXX XXXX XXXX and didn't explain it. That being said, this was all very confusing to me. That being said, the same night I put a Block on my Credit Card as to prevent any " Double Dipping '' by XXXX. That night I wrote him an email quesitoning the Policy of {$1200.00}, being added to the Amount Financed, after I had given him a Credit Card to Charge outside of the Contract. I further questioned the Secured Theft XXXX of {$470.00}. While I do want the Tire and Wheel Policy, I didn't want a Secured Theft Package as I'm not sure I need that. The following day I went down to a local dealership and a friendly Finance XXXX from the XXXX dealership provided me a courtesy review of the XXXX XXXX XXXX. He stated the structure looked correct but encouraged me to speak to a XXXX. It just so happens I am a XXXX of XXXX XXXX and called an Attorney. I spoke with Attorney XXXX XXXX. After a Review of the Retail Installment Agreeemnt Attorney XXXX Questioned the Retail Installment Contract showing the Tire and Wheel Policy as a Down Payment. I advised her, that XXXX stated he would do that, asked if it was ok, and I not knowing any better said yes. Further, she also discovered herself the sale of the {$470.00} XXXX XXXX XXXX, which I didn't want. XXXX her review I didn't know of this and wondered why it wasn't listed on the Itemization of XXXX XXXX. Moreover, I question this as the NSD Warranty was NOT disclosed to me and the Amount of the Tire and Wheel Policy was Shown as a Down Payment and then Listed as an Item in the Amount Financed, as well as being Charged to my Credit Card. Is this Double Dipping? I need your help CFPB. Thank you. Happy to provide a Representative a XXXX of the XXXX XXXX XXXX. Again, I did business with XXXX XXXX XXXX located at XXXX Route XXXX, XXXXXXXX XXXX XXXXXXXX. Also, one final and important item. Upon purchasing the vehicle, it was believed that the vehicle being sold to me was in good working order and would pass a NJ XXXX XXXX should it have to. I later learned however, 2 Days after Purchase, while having a XXXX Point Check done at a XXXX XXXX XXXX all XXXX Tires of the Vehicle were experiencing a bad Case of " Tire Rot ''. This is a naturally occuring symptom of the tire XXXX XXXX ware. The XXXX in fact revealed that the Tires would not pass a NJ XXXX XXXX in their current condition. The Master Service Technician from XXXX XXXX XXXX XXXX stated in an email, while all XXXX tires were experiencing Tire Rot, the two Rear Tires were really bad and again, reiterated they would not pass a NJ XXXX XXXX. He further stated they could all present a danger if driving in the rain. That being said, I question How I have an XXXX XXXX on the XXXX till XXXX. Again, CFPB I see your help. Thank you. My Phone number is : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Other service problem
Subissue:
Consumer Complaint: Unavailable transfer of funds due known issues with Ally 's balancing app. Funds are now delayed and the company will not take any action to rectify or expedite transfer. The representative confirmed there were issues with the app. I requested the money be wired free of charge to meet the initial delivery of funds. The representative told me it was my fault for not using a browser.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX I found three purchases made by my Ally Bank debit card that I did not make. I immediately called the bank and filed a dispute. Two of the three disputes were resolved in my favor. They are trying to say that I did make a purchase at XXXX XXXX XXXX for the amount of {$300.00}. Which I did not. I refiled on that dispute with Ally Bank. When I filed the first three disputes, I was told I would receive forms to complete which I neve did. When they decided that I owed the amount I refiled the dispute and have been told I would receive forms. Which I haven't as of yet. From the time of the bogus purchases, I have initiated phone calls with my bank at least 10 times. They refuse to have someone from the legal department contact me. I get a different person every time and get different answers. I was also today XXXX able to talk to the store where the purchase was made. The asst manger was only able to answer that they had received no inquiry from my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 746XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I transferred {$12000.00} from my XXXX XXXX Savings account to Ally Bank. In XX/XX/XXXX, Ally Bank closed my account. I called them to get the {$12000.00}. They said their was fraud on my account and would need a " Letter of Indemnification '' from XXXX XXXX stating that the money was transferred out of my savings account into Ally Bank. When I asked XXXX XXXX, they said they can't send a letter directly to a 3rd party as it would violate confidentiality rights. I called Ally Bank to let them know what XXXX XXXX said. Ally Bank said that there's nothing they can do. Over the past year, I have spoken with Ally Bank and XXXX XXXX XXXX at least 10 times. Ally Bank says they need a " Letter of Indemnification '' and XXXX XXXX XXXX says they can't provide it. On XX/XX/XXXX, the branch manager at XXXX XXXX drafted a letter stating that the {$12000.00} did come out of my savings account. I faxed it to Ally Bank. On XX/XX/XXXX, I called Ally Bank. They said the letter is not enough and XXXX XXXX needs to send them a " Hold Harmless Agreement. '' This is the first time in the past year that they have mentioned this document. I spoke to the branch manager at XXXX XXXX and he said he's never heard of that document. He looked it up online and saw that it was a legal document but not something the bank provides.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: these inquiries are unauthorized, and they are not related to any transaction made by me. 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: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Hard inquiries on my account have been sitting on my account and I have no idea why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX Ally Auto has blocked my account from making any online payments. There was an issue with one of my banks which resulted in returned payments from Ally attempting to debit the account several times. I had to use a different account that Ally successfully received payment from. On XX/XX/23 I attempted to make a payment online at I was locked out of my account and was unable to get back into the account until XX/XX/23. Since then I have been trying to speak with a manager, which Ally refuses to transfer me to as to why my account is blocked from making payments online. I spoke with several reps who said I'm being required to submit certified payments. I've repeatedly stated that I don't have access to that option and asked for additional information, which was also refused. These reps claim that this is Ally 's policy and that my bank blocked my account. My bank did not do this and can not block another company 's account. This policy is not in my contract nor is it on the disclosures on the website. It is illegal to make any changes to a consumer account without proper written notification and as a result of the lack of competency from this company, I have acquired unnecessary late fees and Ally refuses to address my issues. By law, Ally was required to send me notice 30 days before my due date and they failed to do so. At this point, they are scamming customers because this is not a policy included in my written contract or any of the disclosure agreements. Ally needs to unblock my account so I can make a payment or completely resolve my loan before this turns into a legal matter.
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: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A