Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 states, I have the rights to privacy, 15 USC 1681 SECTION 604 A SECTION 2, it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I received unauthorized withdrawals from a lending company that was already paid off via a different account. Named XXXX. ( I do not want them involved in this dispute as I am dealing with them separately This is exclusively about ally bank ) They kept pulling the money out so I called my bank named ally bank and paid {$15.00} to stop all withdrawals from them. That was XX/XX/XXXX. The withdrawals stopped but now they were withdrawn again. When I called ally ( dispute # XXXX ) I was just told they'll look into it and I needed to submit information, when they had been the ones that charged me {$15.00} and said they would no longer let the company pull money out. This morning when I called in a panic I was told they'll put a dispute in and will close the account and they would credit me back by end of the call Now I'm told it will be 10+ business days and I have to submit proof first. I don't have proof for them putting a stop to it besides the {$15.00} I paid and proof that it didn't go through last time. No I don't have access to any money that I have left and I am out another {$500.00} and I will not be able to pay rent because ally being my bank and having been paid to put a stop to it, let it go through anyways and won't take responsibility to protect me, their customer.
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: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: There has been a charge off on my account including the balance. This debt has been paid off and it should not be on my credit report. ( 15 us c 1681 ). I have not received a 1099c form being that the debt has already been was paid and sold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was unsuccessful logging into my account and was told to call customer service and I mentioned I shared my username with my partner with my permission and its been XXXX weeks now and they have restricted my account and wont let me access my money. I have been calling them everyday since and no one is able to give me a response all they tell me is that a investigator is reviewing my account and they will not let me speak to someone to can assist me. When I first called I asked to speak to a supervisor and the agent refused to let me speak to a supervisor and she argued with me and told me that she had to disconnect my call if I had no other questions which I have so many questions. My account is still restricted and I can not access my money and I live check to check and this is causing me a financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This company charges compound interest every day at the end of your loan extra charges arrived predatory lender on lender and dealer high interest rates for minorities
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: So to set the scene : For about 2 years I have been working with XXXX and their credit card and recently were bought out or transitioned over to Ally. Well XXXX and XXXX my payments did not withdraw as I expected them too which was in part my fault as I did not transfer quite enough over to that account for the payment to process, However I have NEVER been more than a few days late on rare occasions. So I check my account to see the new app and find my XXXX payment failed. I also find out my Interest had been raised to 30 % without any reason or warning. I asked about lowering my rate after being a good customer for 2 years and was told no. In fact they encouraged and heavily implied the only way they looked at lowered interest was by not making payments. So opting not to ruin my credit for a few percent of interest I tried to make my payment online and found I could not and that my Routing and Account number had been 'Blocked '. So I call back in and find out due to my payments not going through that I was no longer able to make my payment using their app, online, or phone services but was then told if I was 35 days late I could pay with a debit card. Wow! What a deal that will no way affect my credit worthiness. So instead of them having any customer service whatsoever they double down and told me there is no way I can pay with my only method of payment and no one I could talk to. I feel like this needs to be rectified as this is affecting my credit over time and they are not even attempting to assist me or accommodate me and then saying there is policy and verbiage which I never signed with them or agreed to, nor have I previously or ever been warned about. I would totally understand if this outcome had I been warned of it but this is out of nowhere WEEKS after moving to a new company which has had nothing but an awful experience. Had I known and been able to pay this off in one go I would have to avoid this awful company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I initiated a transfer from my Ally checking account to XXXX XXXX XXXX for the amount of {$30000.00} The transfer posted to XXXX XXXX XXXX on XX/XX/XXXX, but was rejected because the XXXX XXXX XXXX account is under my wife 's name. XXXX XXXX XXXX sent the funds back to Ally on XX/XX/XXXX. I've confirmed with XXXX XXXX XXXX that the funds had been sent back, no holds or freezes had been applied to the funds. On the same day, I've received an email from Ally bank, stating that the above transfer has failed, and that if the transfer was initiated from Ally bank, it will be deposited back to my account with in 3-5 business days. On XX/XX/XXXX, which is the 5th business day since the email from Ally, I've contacted Ally for more information regarding the funds getting deposited back to my account. The phone agent contacted their back office, and confirmed with me that she can see the funds pending, and it would get deposited back to my account on Wednesday XX/XX/XXXX. I called again on XX/XX/XXXX and the phone agent told me that they can not see any deposits pending. They talked to their back office and back office told them that XXXX XXXX XXXX is probably holding the funds, and they need to release it. I contacted XXXX XXXX XXXX and was informed that the funds had been released and transferred on XX/XX/XXXX, and that I have to work with Ally bank to see when the funds are deposited back to my account. On XX/XX/XXXX I gave Ally a call at XXXX PDT, and the phone agent told me that they can not see any deposits pending, and told me that the back office would give me a call to help me with the issue, but they have not done so all day. I called them back at XXXX PDT and the phone agent informed me that the office had closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : 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: 76543
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XXXX XXXXXXXX XXXX XXXXXXXX : unauthorized inquiry on XXXX XXXX Ally financial : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX auto ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date : XXXX XXXX Unauthorized or non consent/not my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A