Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2024 I applied for a commercial auto loan for {$16000.00} at a XXXX dealership and was denied by Ally Bank . I was the personal guarantor for business. According to 12 CFR Part 1002- Equal Credit Opportunity Act regulation B, I can not be discriminated against in ANY aspect of a credit transaction. There are no exceptions or exclusions in this law. I can not denied an extension of my own credit once my SIGNATURE is on an application for credit. There is nothing stated in the law that constitutes " credit worthiness '' in 1007.2 ( a ) Rules concerning extensions of credit. I validate my credit worthiness by stating I am credit worthy by applying for extension of MY credit. NOT the creditor ( Ally Bank ). I demand my application be approved on the basis of my signature on the application. Ally Bank received money from my application being sent to them and running my credit. Furthermore, Ally DID NOT receive written permission from me to run my credit, nor did they notify me in advance that my credit was going to be ran by them which is also another violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am writing to address a critical issue regarding the handling of my auto loan account, which has caused significant distress and financial hardship. As the primary beneficiary on the auto loan serviced by Ally Financial, I am deeply troubled by the lack of communication and the detrimental impact it has had on my credit score and overall financial well-being. I have a joint account with XXXX XXXX XXXX in which the joint party was informed of fraudulent activity on his bank by a freezing of his debit card. His bank account is linked to the auto loan. Despite being listed as the primary account holder, Ally Financial failed to notify me directly about this concerning development of a missed payment for XXXX. Instead, I learned about the issue through third-party credit monitoring services. This oversight is particularly troubling as it demonstrates a severe lapse in Ally Financial 's communication procedures and a disregard for the importance of keeping primary account holders informed about critical account-related matters. As a result of Ally Financial 's failure to notify me directly, I was unable to take immediate action to address this missed payment in a timely fashion. I was informed by my third party credit monitoring that my score was highly affected. When I discovered the issue, we immediately paid Ally the missed month and the current month payments. We offered to provide documentation to validate frozen action by bank as well as a police report. I called Ally to explain the situation as well as address that I was not informed. I called Ally on XXXX and XXXX of XXXX ensuring extended wait times with no resolution except that I must wait 45 days to see what can be done. Furthermore, despite the full payment being received, my credit score suffered a significant decline of XXXX points, and the account was inaccurately marked as delinquent. This unwarranted damage to my credit score has had profound consequences, affecting my ability to secure favorable financing terms and jeopardizing my current efforts to purchase a home. I demand that Ally Financial takes immediate steps to rectify this situation, including but not limited to : 1. Correcting the inaccurate delinquency remark on my credit report. 2. Reviewing and improving communication protocols to ensure that all primary account holders are promptly notified of any account-related issues or changes. 3. Providing assurances that similar lapses in communication will not occur in the future. I expect a swift and satisfactory resolution to this matter, and I am prepared to take further action if necessary to protect my rights and interests. It would be helpful to understand how Ally Financial intends to address and rectify these serious issues. It is disturbing that a company can have this much impact to an individuals credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Inquiry on credit report I didn't authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a lot of hard inquiries in my credit report I don't recognize them I have 14 I only know 3 XXXX XXXX XXXX XXXX XXXX XXXX I don't know where the others came from my credit is low too much hard inquiries affected my score can u delete the rest cause I don't know where they came from I need my score to grow so I can buy a house The place I just mentioned is the only place I go to buy a card I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02721
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car was totaled out and paid off in XXXX. After sending them the check and sending them the payoff balance of the car there were a few issues. It took them XXXX checks and over 40 days to see the payment added to my account. I was told that there was an issue with their mailbox that they received payments and there was a delay. During this time interest was still incurring on the account. After waiting for the payment to be added to the account there was still an outstanding balance which was not supposed to be. Ally had charged me extra fees and added other interest to my loan after the payoff amount was sent in. Because there was an outstanding balance that I wasn't aware of, the payments started to be late and they reported " late payments '' to my account for a car I never had and had already paid off. They caused me to miss out on opportunities for reporting this false information on my credit report. These unnecessary charges had to be paid and time and resources were spent on communicating with them to get this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ALLY XXXX sent me a pre-approved credit offer in a letter based on my current credit score. I am trying to fix my credit and have gotten my score up so I responded. They mislead me to think I had already been approved for the credit card and so I scanned the QR code, then got a rejection for this card and the credit reporting bureau dropped my credit score by XXXX points throwing me back to a bad status. I am trying to fix my credit and Ally deliberately hurt my efforts in doing so. I can not reach anyone at Ally to stop this false advertising.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: This account was reported for fraud & identity theft ALLY BANK FORWARDED ME LETTERS STATING THE PROBLEM HAS BEEN RESOLVED THEY STATED THEY HAVE CLOSED THIS ACCOUNT FOR SECURITY REASONS & A NEW ACCOUNT HAS BEEN CREATED WITH NEW CARDS BEING SENT TO ME?? I have received the letters but no new card? I called ally bank & all I get is zero answers being transferred for over two hours ending the same no response! IM TOLD THE ACCOUNT HAS BEEN CHARGED OFF? WHICH IT HAS NOT IT WAS CLEARED THRU FRUAD. NOTHING TO DO WITH ME ACTING IRRESPONSIBLY. I Want my cards sent to me replaced as promised immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a XXXX XXXX XXXX XXXXXXXX XXXX from XXXX XXXX, I signed papers on XXXX XXXX XXXX There was a dipped beam fault alert that popped up at night, that isn't there during the daytime. I took my vehicle back within one week of purchasing for XXXX to look at it. They had it for a few days, said there wasn't anything they could do, the vehicle was drivable, and I took the car back. There was no report given to me at that time. XXXX I was advised then, that the dipped beam fault alert needs a new head lamp. I chose not have it fixed, because the head lights were working at night. I verified it was working at night with friends and colleagues. I took it for an oil change to XXXX XXXX XXXX XXXX, everything came back good on the service report. I was told I would need new front brakes on XXXX but no alerts were shown then that I was aware of. The multipoint inspection didnt come back with any alerts on this date. XXXX XXXXXXXX put new brakes on my vehicle on XXXX, but didnt note any alerts at the time, even though I my XXXX was stalling on me off and on already. The first time my vehicle stalled on me was on XXXX. I have attached the incident report with all information to help my case. Starting in XXXX, I started to have odd things happen to my vehicle. I contacted the XXXX XXXX XXXX XXXX company to inform them of issues I had noticed. A case ID # was started for me, ( XXXX ) and I continued to have email exchanges with the customer relationship centre. I completed an incident report with exact dates, times, specific issues, and sent it back to the customer relationship centre. I continued to reach out to them, and I was finally told, theres nothing they can do to help me. After two different dates in one week, I had my car towed. First car tow, was to XXXX XXXX in town on XXXX. They did a diagnostic, and sent my XXXX XXXX XXXX XXXX XXXXXXXX XXXX where I paid for another diagnosis. The diagnosis was thought to be, needing a new transmission. I dont believe, because it has about XXXX miles. At this point, and currently as of XXXX, I havent even had this SUV for one entire year. I took my vehicle back from XXXX XXXX XXXX XXXX, drove it from one part of town to the other, within 30 min and two miles from my destination, the vehicle shut down on XXXX and I had to get my SUV towed again on XXXX. I have copies of the claim and receipt of towing for those dates. The car was towed again to my home the second time and it continues to sit, undriveable and not safe to use, and it is parked at my home. Please briefly describe all efforts you and/or the business have made to resolve the issue. I have asked XXXX to help me with the possible transmission issues, or if theyd sell the vehicle, or if theyd do a trade of my SUV that I can not drive for another vehicle. I was told XXXX wouldnt buy the unsafe vehicle, but theyd do a trade. I asked one employee to help me and to give me advice, I also reached out to the GM of the dealership for help and/or advice. I was informed theyd give me $ XXXX to go towards a new transmission. Which is a joke, because I was being quoted for $ XXXX or a new transmission. I requested the used car buyers guide and cert-preowned checklist of what was done before selling the vehicle. I have those attached. On the XXXX XXXX website, it says the vehicles are pre-owned certified. However, the dealership is telling me it is not. On page two of the checklist, it states at the bottom, the vehicle had many alerts present. I dont think they were actually addressed or resolved. Im trying to prove they sold me an unsafe vehicle and a bad SUV, knowing there were alerts and complications with the SUV. I dont think its a transmission, but possibly needing a computer update. Between two dealerships, and the XXXX XXXX XXXX XXXX office, no one seems to care about my safety. Even if I put a new transmission in, its not guaranteed itd fix my issues, because XXXX XXXX THINKS its a transmission issue. XXXX XXXX sent me a check for {$1000.00} that I haven't cashed because it's useless to me. It's a $ XXXX transmission. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A