Date Received: 2023-10-05
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 U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. Code 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 US Code1666 B, a creditor may not treat a payment on a credit account under an open and 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: 94510
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlly FinancialXXXX XXXX XXXX XXXX XXXX XXXX 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: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Seen several unknown hard inquiries on my consumer report and I would like them removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I recently got married and underwent a name change. I had contacted the company various times to change important info on the account ... because I had change my name and info with the bank I was paying my car loan through. The service department gave me a number to call and it rerouted me to the same department where I got the same answers. I was a victim of identity theft so because I had change my name the bank would not allow automatic payments to process as a safety measure. As I contacted Ally Financial several times I was refused information pertinent to my account. At this time I was high risk. The company stated I needed to fax over documents. I asked if I could upload it to the app so they can update the info onto my account. They refused, after months of failed attempts and failed automatic payments I uploaded it to the account anyway and the info was changed. I offered to get on a payment plan to catch up with payments, the company refused even though it was there fault. My lawyer tried to reach out several times to their legal dept to no avail. My husband and I were in two separate locations at the time and I was waiting for my lease to be up XX/XX/2023. I went to stay with my husband to await the birth of our daughter. They attempted to repossess the car on 3 separate occasions without any cert mail applicable by PA State Law. I offer to pay via phone with debit card instead of ACH and the refused the payment. Ally Financial stated I had to pay via XXXX XXXX or XXXX XXXX. I expressed that in the contract it did not state this method of payment. I requested that the fees associated with be applied to the balance, they company refused. I expressed again that the only way I would pay the balance would be with debit or ACH the company refused payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 I received an invitation from Ally Bank to receive a 1 % cash bonus ( up to {$500.00} ) for the deposit for new funds into my Ally Bank Savings Account. I enrolled in the bonus program, received confirmation of enrollment, transfered {$50000.00} to the account, and complied with all conditions listed for the bonus program. However, the promised bonus of {$500.00} has not been paid until now. I contacted Ally customer service several times. They provided a reference number, promised to look into the issue but after several months have neither paid the promised bonus nor provied a substantive answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: My credit was pulled without my permission multiple times! I need all these deleted off my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I submitted COMPLAINT ID XXXX wherein I demanded " Access to my account. Every and all bank statements mailed to my address. ". On XX/XX/2023 Ally Bank responded me to refer to their policy on XXXX accounts which states in section XXXX. on page XXXX and XXXX : " As the XXXX, you agree that once we have reason to believe that the minor on the account has reached the termination age under applicable law, we may, but arent obligated to, take any or all of the following actions with respect to the XXXX or XXXX account without further consent or direction from you : Limit access to the account Restrict any deposits into the account Restrict any debits, withdrawals, or transfers from the account Communicate with the former minor regarding the account, including by providing them with account and tax statements Accept instructions from the former minor regarding the account ; and Pay account funds to the former minor '' On XX/XX/2023 I called Ally Bank and provided instructions to provide me full and exclusive access and administrative control of my XXXX account. Ally Bank refused to do this, violating their own policy. I requested to speak to their Legal Team and I was told I can only do this in a court room.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03051
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Federal Fair Credit Reporting act, this creditor have violated my rights. Under 15U.S.C1681 sec. 602 ( 4 ) states I have a right to privacy. 15U.S.C1681 sec 604 ( a ) sec 2 also states consumer reporting agency can not furnished account without my written instructions. 15U.S.C1666 ( 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, 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 is mailed or delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I issued a dispute on XX/XX/XXXX at XXXX for an unauthorized transaction in the amount of {$310.00}, and gave proof of the hotel policies showing they were suppose to refund that amount. On XX/XX/XXXX Ally Bank claims I authorized the transaction. The representative said she wondered why the transaction was reversed as well when I talked to XXXX this morning on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63755
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had reached out to an individual online about taking over a sublease of their apartment. They sent a photo of themselves and their driver 's license to " prove their identity. '' They had me fill out an application to take over the sublease and sign a lease to take over living at the property. At the time of completely the lease they asked me to send {$900.00} as a security deposit to a CPA. When doing a quick internet search the CPA was indeed a real person, however, the information they gave me to send the money to, was not to the actual individual. Additionally, the person had me send them {$1100.00} for the first month 's rent and to get the keys to the apartment. I used XXXX to send both transactions. Upon working on sending the second transaction, I became aware that this was probably a scam. I immediately reached out to Ally Bank to inform them and they refused to assist me with stopping the transaction. After both transactions had cleared, I reached out multiple times to Ally Bank and XXXX to work on getting a refund. Shortly after this both of the accounts had been banned from XXXX, which meant both Ally Bank and XXXX were aware that these accounts were involved with fraudulent activity. I filed claims with Ally Bank and followed up on them multiple times. They said to me every time I contacted them that someone would reach out about my case, but no one ever did. I always had to reach out to them in order to receive any updates. Additionally, I received no response back from XXXX. I filed a police report about a person using a fake identity and creating a fake lease to sublease an apartment. I also filed claims with the XXXX XXXX XXXX against Ally Bank and XXXX. Neither of them were willing to refund my transaction, despite the fact that it had happened while an individual was committing identity fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A