Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This company have no authorization to run my credit. I need to be removed as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
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: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The car was a total loss, the loan was paid off and it had XXXX. I received a refund check for XXXX dated XX/XX/XXXX. This check was made payable to myself and XXXX XXXX ( other borrower ). The check was signed by both of us and placed into my XXXX account via Remote deposit on XXXX XXXX. XXXX took out the funds from my account on XX/XX/XXXX and said the check was unpaid by Ally for " Refer to XXXX ''. I contacted Ally on XX/XX/XXXX and asked that a stop payment be placed & a new check issued. I called back on XX/XX/XXXX and was told by the agent the check was cashed and paid to XXXX. I explained I have the letter from XXXX telling me it was not. She asked I fax it in. I faxed to XXXX on the XXXX. I called again on XX/XX/XXXX and was told the fax was not found. I asked to escalate & the agent said she would open a request for a call back. I submitted a XXXX XXXX Report on XX/XX/XXXX. I got a call back on XX/XX/XXXX & was told the fax was found & it will be handled by their payment area. I should hear back in a week to 10 days. I heard nothing. I called the escalation area at XXXX on XX/XX/XXXX and XX/XX/XXXX and left a message. To date I have heard nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is still showing Alloy financial on my credit report its been on my report for XXXX plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We traded a XXXX leased XXXX XXXX XXXX in XX/XX/XXXXXXXX for another lease ( XXXX XXXX XXXX XXXX ). The payments were rolled into the new lease. XXXX XXXX ( XXXX XXXX, MI ) never submitted the lease term payoff on the XXXX lease. I have asked for proof of payment, and XXXX has not been able to provide. The vehicle balance is showing as vol repossession with Ally Financial Account Recovery team of approx $ XXXX {$280.00}. This has impacted myself and my cobuyer credit reports. I have attempted to resolve with dealership and keep getting the runaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have had the loan since XXXXXX/XX/XXXXXXXX, recently I tried to log into my Ally account to make a normal payment and received a message saying I couldn't make a payment and I had to call in for further assistance. I called in and essentially their system tried to take money out of my bank account multiple times as reprocess payments for a declined charge I set up, then their system tried so many times it flagged my account that I tried multiple times ( it was their reprocess system, not me I only tried a small number of times since XXXX ). They let me know since my payments were declined so many times I had to pay with guaranteed funds for the next 3 payments. The methods of guaranteed funds they accept are either unrealistic such as physically mailing them money for the payment in the form of a money order ( if that gets lost I loose {$1400.00}. No one in their right mind does this ). The other forms were XXXX XXXX or XXXX XXXX both of which had large fees due to the amount owed, around {$60.00}, for the next 3 payments is a little much to ask as a fee for an auto loan payment. Plus this is XXXX, going to a XXXX XXXX in person Vs. paying in an online portal out of my day from work and commitments at the house is ridiculous to ask. I just footed the first {$60.00} bill through XXXX XXXX ( one of the " Guaranteed '' forms of payment they accept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I sent my XX/XX/XXXX payment via bill payment through my bank. See attached. About a week or XXXX later and till this I am getting emails and calls that my payment is past due. I check with my bank the payment was sent and processed. I have sent messages through secure mail on the website. I'm told I need to call or chat. I did chat with a customer service rep from Ally and they said they are looking for the payment and will get back. XXXX has beer gotten back to me. Except to continue to get calls and emails that payment is late. But it's not late again it was sent through my bank and processed. Ally has the payment. But I'm getting late fees and harassing emails and calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Case Summary : Complainant : XXXX XXXX ( hard of hearing on phone calls ) email : XXXX Company involved : Ally Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ally bought out my credit card account at XXXX XXXX. During the transition fraudulent charges from XXXX were allowed on my account in the amount of {$630.00}. These charges put the account over limit so fees incurred from that and the interest raised to 39.9 % synopsis of what happened : My daughter, XXXX XXXX. Had a XXXX account years ago for an online business she had on XXXX as it was required by XXXX for payments. She had closed the account over two ( 2 ) years ago when Covid destroyed her business. On XX/XX/XXXX, she was notified by her bank, XXXX XXXX, that there were suspicious XXXX charges on her account. The accounts were closed and new accounts and debit cards were issued to her. She also notified XXXX of the fraud. Going back go XXXX, my card with then XXXX XXXX, I used the card through her XXXX to purchase a XXXX XXXX. She deleted the card info on her account ( at least we thought we did ). In XXXX of XXXX, XXXX XXXX was bought out by Ally Bank and everything was transitioned over to Ally. My statement in XXXX showed charges on XXXX in the following dates and amounts. Summary of Account Activity New Statement Balance {$1500.00} Transactions XXXX XXXX XXXX Date Reference Description Amount New Statement Balance {$1500.00} Past Due Amount {$0.00}. 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 these were all fraudulent charges through XXXX on the XXXX card XXXX because of the bank ownership transition I did not see the statement until I began getting emails from Ally that I was over my limit which I knew was not possible. I set up the Ally account online where I could view the statement and locked the card. A phone call, or rather several phone calls, were made to report the fraudulent charges to Ally bank. I have a hearing impairment and have trouble with phone calls, so I asked my daughter to talk to the woman who answered from Ally. My daughter had to ask the representative to repeat herself and please slow down as the employee was very hard to understand. The Ally employee hung up on the call. The call was on speaker and my daughter was not rude or offensive to her at anytime. Calling back she spoke to a gentleman who took all the information and noted the charges from XXXX appearing on the XXXX statement. She also informed him about the XXXX security breach. He indicated he would send paperwork for me to fill out to dispute the charges, He stated the paperwork would be sent before XX/XX/XXXX. I received more emails from Ally stating I was over my limit and needed to make a payment, Note they had kicked the interest rate up to XXXX percent. Which more than doubled the payment. Looking at the new statement for XXXX showed the following charges allowed from XXXX on the closed account. XX/XX/XXXX XX/XX/XXXX XXXXXXXX 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 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} Ally had not taken the disputed charges off of the account and had allowed fraudulent charges up to and over the XXXX limit. I have no idea about the XXXX credits ranging from XXXX cents to {$8.00} which do not fix the amounts charged to the account, Ally sent me a new card and I noticed in the fine print that all disputes have to be in writing which the gentleman never mentioned, I did not have a functioning printer so I carefully copied all of the charges along with all of the numerals on each line to several pages on a legal pad and noted on each page these were fraudulent charges and signed each page. This was mailed out on XX/XX/XXXX. The only thing I have received from Ally is emails reminding me I owe them an upcoming payment in XXXX days. As of this date, XXXX, the charges are still on the account, I paid the payment so I did not get a late payment. Any help in getting these charges taken off of my account would be appreciated. Case Summary : Complainant : XXXX XXXX ( hard of hearing on phone calls ) email : XXXX Company involved : Ally Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Ally bought out my credit card account at XXXX XXXX. During the transition fraudulent charges from XXXX were allowed on my account in the amount of {$630.00}. These charges put the account over limit so fees incurred from that and the interest raised to 39.9 % call to company, first call representative hung up, second call representative said they would send paperwork to sign by XXXX nothing received, card locked, second statement shows charges still listed on account with interest still being charged on fraudulent charges. Letter sent to company at address listed for billing errors. Letter had every charge listed by date, transaction number, amount, etc. no reply except emails reminding me of due date of payment. Article about XXXX security breech NEWS XXXX XXXX accounts hacked, and users couldve prevented it Unique passwords and XXXX would protect against this. XXXX XXXX XXXX editor, XXXX XXXX XXXX XXXX XXXX XXXX Another day, another major security breach. Following in the footstep ofXXXX on XXXX XXXX began notifying nearly XXXX users that their accounts were breached between XX/XX/XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have inquires on my credit fie on accounts I didn't try to open, I have requested proof and nothing has been sent to me, and these accounts are still showing as a inquiry on my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I made a checking account using the XXXX opening bonus code. The rules of the code are as follows '' 1. For a limited time, no later than XX/XX/2023 ( we may shorten this timeframe without notice ), open a new Ally Bank Spending Account by using promo code XXXX. Remember! You must fund your account ( with any amount ) within 30 days of opening it, otherwise the account will automatically close. 2. Set up a Qualifying Direct Deposit ( QDD ) and receive QDD payment ( s ) totaling a minimum of {$1500.00} within 90 days after opening your new Ally Bank Spending Account. 3. Keep your Ally Bank Spending Account open and in good standing until we deposit your {$200.00} bonus, which will be within 30 days after you reach the {$1500.00} QDD minimum within the 90-day period outlined in Step 2. ". I reached my XXXX Direct deposit quota on XX/XX/XXXX. After about two weeks, I inquired about when my bonus would hit, and was told it could take up to 30 days after reaching the XXXX quota. I inquired today ( XXXX XXXX ), and was told I actually need to have the account hit XXXX, not just have XXXX in deposits. When I looked over the terms, this was not stated at all. I was also told that there was no department to escalate this issue to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. ALLY FINANCIAL account # XXXX claimant 's offer to perform ( pay with FRNs ) upon REMOVAL OF LATE PAYMENT. PURSUANT TO TITLE 15 U.S. CODE 1666b ( a ) A creditor may not treat a payment on a open account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title. I have received my credit report, from XXXX, XXXX and XXXX. I have contacted ALLY numerous times and even disputed it with the Credit Bureau. I am requesting a goodwill adjustment to remove the late payment in order to re- finance my home. I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment is reported to XXXX, XXXX and XXXX XXXX and I am requesting removal of this one 30 day late payment ( XX/XX/2023 ), as it has been reported to the bureau 's. Please remove XXXX payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A