Date Received: 2023-10-11
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX my vehicle was stolen from me from a company that I have no contractual agreement with. I submitted a claim on XX/XX/XXXX and someone reached out to me named XXXX and he said that he was going to be investigating this case I have not heard back cents, and I am receiving notice to sell my private property. I am attempting to reach out to the company and they are assuring me that there is no way that someone could have contacted me directly because they do not do outbound calls. I have received false and misleading information from the company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I engaged in a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I endorsed a Promissory Note, where XXXX XXXX took a wet, blue ink signature accompanied by the words without prejudice/recourse, retaining and PROTECTING my Rights as a Consumer from any non-disclosures and fraud. Pursuant 15 USC 1692 ( f ) ( 1 ), Ive recently disputed this debt, requesting the wet, blue ink signature on the bi-lateral contract/application through a series of Debt Validation and Proof of Claim letters ( certified mail # XXXX XXXX XXXX XXXX XXXX and XXXX ) delivered XX/XX/XXXX. Pursuant to the Truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq. the Debt Validation request constitutes a timely written response to the Fair Debt Collection Practices Act notice that Ally, attempted to collect an alleged debt and is not a dishonor of their alleged claim of debt. Nonetheless, they were unable to validate this debt ; as they could not produce the sworn affidavit of claim against me, nor a copy of the bi-lateral contract with both parties signatures ( proof of binding ), nor was Ally able to produce the true and certified copy of the Original Note. Instead, I received a COPY of the Original Contract with a clearly altered signature, missing the words and phrase without prejudice/recourse which is blatantly illegal. In addition, Pursuant Regulation Z/TILA, I was never made aware of my Right to Rescind and this fact of non-disclosure has caused insurmountable damages. Pursuant 15 USC 1635, without proper disclosure, all financial instruments created through Commercial fraud, are VOID. As I realized the contract was Fraud and this debt could not be validated by the financial institution nor the dealership ; I, the consumer, ceased further finance payments and Ally Financial consequently referred my account to their in-house Collections Dept for a remaining balance of {$1200.00}. Finance payments totaling {$19000.00} were made to Ally Financial via ACH transfers from my checking account before I ceased payment. Pursuant 15 USC 1692h, I am entitled to and request all payments returned ; as this account is designated CLOSED on my credit report. In addition, this Contract was VOID when full disclosure was not extended to me as the Consumer. Although I gave notice, required by law Pursuant 15 USC 1692 ( g ) ( b ), in demand to cease and desist collection activities prior to validation of purported debt and that they must validate the enclosed claim of an alleged debt ; Ally Financial continued sending emails, texts messages, and phone calls. These communication tactics in trying to collect on a debt I do not lawfully owe ; the electronic usage and bombardment of mail and phone calls have severely inconvenienced my daily routine. The language in these attempts became abusive in threats to repossess the conveyance without legal proceedings ; which Pursuant 15 USC 1692 ( e ) ( 4 ), diminished my ability to maintain a healthy mental state and consequently, affected my physical health and peace during this chapter. From the non-disclosure of my Right to Rescind to the predatory lending practices, I demand full remedy. My Consumer Rights protected by the FTCAct and CFPAct have been gravely violated. My credit score has been heavily impacted amongst the 3 Credit Bureaus by reporting a debt that can not be Validated ; ultimately a debt I do not owe. I can not take advantage of lower interest rates, I've been denied employment, and the process of purchasing Home for a growing Family has been on halt. I have not been able to enjoy the full freedoms and liberty due to me in the Equal Credit Opportunity Act. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states, an entity, company, person and etc. are required by federal law to validate - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' Ally Financial has been given multiple opportunities to provide proof of their claim and they have not been able to produce proper proof of validation of debt. I demand this be removed from my Credit file and history immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21214
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XXXX XX/XX/2023 - I got the email from Ally bank that : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - We declined your transaction. Account Type : Spending Account Account Ending In : XXXX XXXX, we declined a recent transaction because you didnt have enough money in your Spending Account to cover it. What you need to know about the transaction we declined {$380.00} XXXX XXXX Well never charge you an overdraft fee, but check with the recipient for this transaction. They may charge a fee on their end. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - chatted with Ally customer service- they have no clues. Asked me to call Ally customer service via phone. Called Ally customer service by phone and they can also not provide me any more information like - who was the payment for? Ever since Ally threatened me that they are closing my account ( as part of retaliation ) - I started all my billers to use my different account. It seems something got missed out here? It's a very simple question - who was the biller and some other details but Ally is clueless. Telephone based support is outsourced to some country who can barely speak or understands XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ALLY FINANCIAL Opened in XX/XX/2016 fraudulently balance of {$23000.00}
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: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been the victim of an online scam, and I have encountered what I believe to be inadequate responsiveness from Ally Bank in handling this matter. The sequence of events leading to this complaint is as follows : On or about XX/XX/2023, I entered a transaction with an individual purporting to be a Russian Blue Kitten breeder through the website called : XXXX to purchase a kitten. The request involved numerous text messages and email exchanges with an individual who claimed to be the breeder named XXXX XXXX, also known as XXXX XXXX. The contact information for her was verified through her telephone number, ( XXXX ) XXXX, email address, XXXX, and business address. The breeder confirmed that she had a kitten available by the name of " XXXX, '' priced at {$750.00}, along with a {$70.00} fee for the delivery of the kitten to my residence, totaling {$820.00} dollars. The breeder provided me with her XXXX contact information : XXXX XXXX, with the email address XXXX. It is essential to note that upon inputting these credentials into XXXX, the recipient 's name appeared, and I confirmed via text exchange that this was the correct XXXX information. XXXX XXXX then confirmed receipt via text, that my kitten would be shipped the following day, and provided me with a tracking ID from XXXX XXXX XXXX, a pet transport service. However, shortly thereafter, I received a phone call asserting that the kitten was presently " on hold '' due to an obligatory purchase condition - an XXXX XXXX XXXX XXXX XXXX pricing at approximately {$3400.00}. It was at this point where I realized that I was being scammed, and this was a common tactic used by pet scammers. I attempted to call XXXX XXXX several times, and there was no answer or voicemail service. I immediately called Ally Bank to report the fraud and dispute/stop the {$820.00} XXXX transaction XXXX When speaking to the bank representative, she informed me that she would open an investigation and that I was to file an internet fraud report with the FBI, as well as report the fraud with XXXX. The Ally dispute number is XXXX. She additionally suggested that I notify the police, to which I was able to obtain XXXX XXXX name and address in XXXX, Georgia. Subsequently, I reached out to the XXXX XXXX of Police to report the incident. I also uploaded all of the requested documents to Ally Banks messaging portal. Ally Bank did nothing to stop the payment, and my account was not refunded the {$820.00} dollars. I have reason to believe the bank rep failed to flag this matter as fraud or notify the bank 's fraud department to stop the individual who scammed me. On XX/XX/2023, I received a written letter from Ally Bank, with a backdated date of XX/XX/2023. This written communication conveyed the outcome of Ally Bank 's internal investigation, asserting that the transaction was authorized and without error. Furthermore, the communication conveyed that the recipient ( scammer ) had been contacted and she had confirmed the transaction as authorized. The bank 's response seemed to align itself with the perpetrator of the fraudulent act, with the communication stating that the funds would not be restituted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. ALLY FINCL XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have closed XXXX XXXX XXXX with Ally Bank ( XXXX XXXX ) for the amount of {$98000.00} each plus interest on XX/XX/2023 with this bank which I had an external checking accounts stablished for years ( XXXX XXXX XXXX ) After closing directed the Bank to transfer the fund to my established act at XXXX they informed me that will take XXXX bossiness days that was odd because other transfer between accounts usually is couple of days but anyway I never received the funds within XXXX business days so after many calls they informed me that they sent the funds to a wrong accounts and that takes XXXX business days to get it back and another XXXX business I will get our money I need the money for my XXXX I am a senior and afraid that they are playing game is there anyway your agency can get involve and assure that we receive our retirement funds. Truly appreciate your efforts, Regards XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the XXXX financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquiries on my credit report that I have no knowledge of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize any of these inquiries : XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A