Date Received: 2023-10-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: So I did 3 disputes to all 3 Credit Bureaus ti have this fraudulent charge account removed from my credit report and my spouse. The already messed up and reopened the Charge off account on XX/XX/XXXX on my XXXX report and the reporting me have a Current Auto Loan with a MISSED PAYMENT as of XXXX XXXX XXXX notice this account was charged off and closed XXXX XXXX XXXX and my documents on my other complaint shows you the proof. So this complaint is for my XXXX my credit score and report a dispute code was Added and removed by Ally Financial on XX/XX/XXXX which updated today XX/XX/XXXX where the put on my credit report for XXXX once again which dropped my credit score from a XXXX to a XXXX which is terrible a XXXX points decrease and they have changed the codes 3 times since XX/XX/XXXX ruing my CREDIT and they have on XXXX. Yesterday XXXX I called Ally Financial several to be hung up on, transferred, and each representative refuse to give me the charge off paperwork and XXXX was suppose to be handling this case she do not call back her supervisor wont call back and she said that she would have a supervisor which his name was XXXX email documents on this account and he never called or emailed them EVERYBODY is refusing to to call back, answer the phone, and refusing to give me the charge off documents on this FRAUD ACCOUNT that should have been DELETED back in XX/XX/XXXX. This is my second complaint in 2 days different Credit Bureaus. I am tired of this COMPANY they have DESTROYED my CREDIT and something needs to be done. The FCRA violation that will be brought again them is reopening a charged off account and reporting that I have a current missed payment will be ENFORCED and dealt with through the appropriate channels on this HORRIBLE financial company that should be OUT air BUSINESS. I am going to take ACTION soon for FCRA VIOLATION this account NEEDS to be DELETED off our credit remand you need to FIX this MESS NOW. Ally Financial you will get your day for ruing my CREDIT on my XXXX REPORT because of your remark code you have dropped my credit score on XXXX from a XXXX to a XXXX twice this month which is a XXXX points decrease because of there REMARK CODE..ALLY FINANCIAL you ruined my CREDIT and you are going to have to PAY for this in the long run.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. I want this account deleted and removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've called Ally Auto multiple times to tell them to contact my mother, XXXX XXXX, about the account, and told them I give 100 % consent to her decisions on the account. Their recording states this is a recorded line and they keep telling me that the order of the names don't matter on the account since we are both co owners of the car, however they primarily contact me for everything. She drives the car, she pays on the car and she has 100 % physical possession of the car, but when my XXXX XXXX on her and left for XXXX XXXX she obviously fell on hard times. I keep getting text messages and phone calls from multiple phone numbers, some phone numbers show up on XXXX as scams, so I'm upset that Ally is giving out my information to third parties who keep calling me and do not leave voice mails. I give my mother 100 % consent to do what she wants with the car ( XXXX XXXXXXXX ), but they wanted to 3 way call and refuse to work with her. She works from XXXX to XXXX and I work XXXX to XXXX, our lunch hours are different, we can not physically 3 way call. It is entirely unprofessional to ask for 3 way call if they are on a recorded the phone line where I've identified myself and proven who I am when I call while I'm free. She even called them in her free time and asked to have full permission, yet they refused. At this point my mother is aware she is behind on payments and just wants to surrender the vehicle, but Ally keeps making this harder than it should.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: They wouldn't identify who they were and threatened me with a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 Inquiry XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry ALLY FINANCIAL XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Inquiry XXXX XXXXXXXX XX/XX/2023 Card over limit XXXX XXXXXXXX XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXX XX/XX/2023 Public record XXXX XX/XX/2023 New address XXXX XX/XX/2023 Public record XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXXXXXX XX/XX/2023 New account XXXX XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXX XX/XX/2023 Public record XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My business purchased a vehicle through XXXX. The primary holder on the loan was my company. I myself was a personal guarantor for the loan. I spoke to several people at XXXX for more than a week straight whom all promised this could be done and the info would not appear on my personal credit unless the loan defaulted. The calls were recorded. After the loan was signed, the vehicle immediately reported on my credit as a cosigner. I called the company back and now they are saying that it's not their problem because the loan was sold to Ally Financial. I trusted this company to do what they said and I have a copy where it shows I signed as a PG
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Credit card company switched to Ally Credit Services from Ollo credit. Worse thing to ever happen to me! Have been on the phone with Ally for MONTHS to fix this issue. When I log in online it states theres a security issue to fix and a phone number to call. I call the Ally number listed on the message to be disconnected EVERY SINGLE TIME. I dont know what to do because I cant pay this online or by the phone. I will have to get an attorney if this is not resolved. Worse criminal company ever!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47712
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ollo switched to Ally and I have not been able to make a payment. They locked my wifes account and mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47712
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ally is still showing on my credit report XXXX later stating my first delinquent was XXXX XXXX but that should be in XXXX this acct should have need removed last year but still showing and showing negative on my credit report
Company Response:
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A