Date Received: 2023-10-04
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I received a loan from Ally Lending for electrical work at my house around XX/XX/XXXX. I asked them to make payments out for the end of the month. Also, I was given the promotion for interest free payments until XX/XX/XXXX. Ally Lending has not acted in good faith regarding payments and system access to pay on the account. We have our payments due on the XXXX each month and they have charged interest on this account since XXXX. We have asked for relief on this but no one has called back. This is not a good company for me. I am 100 % on time payments for several years so this has been a set back. I filed a complaint with the XXXX on XX/XX/XXXX so this company has refused to honor the agreement of interest free payments and provide a platform to make payments online. This company is trying to act in a predatory manner for payments. My credit is good so I should not have to pay predatory terms to this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to XXXX XXXX XXXX XXXX and ALLY FINANCIAL XXXX. 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 creditors customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: It first started around XX/XX/XXXX I got a debit card in the mail for a XXXX Bank account. I called and reported it fraud. I also revived a letter from XXXX bank stating they didnt accept my application. I never applied to either of these banks. Fast forward a few weeks I received a Email about setting up my Ally bank account on XX/XX/XXXX I called and the operator advised me just to ignore the email. I explained to her how I didnt feel comfortable ignoring it and how my information is in their system without my knowledge. She still advised me to just ignore the emails. I started to received emails about adding XXXX account? So I called again XX/XX/XXXX to report the fruad and this time the operator reported it and shut down the account. I woke up this morning XX/XX/XXXX to yet another email about an account trying to be open Without my knowledge or consent. This time it was from XXXX bank. Ive never applied for any of these account and I have no idea how they have my email and information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I viewed a copy of my credit report in XXXX of 2023 and noticed that there were some unauthorized and unverified inquiries on my credit report. I reached out to all three of the major credit bureaus which are XXXX, XXXX and XXXX to request these inquiries be deleted. They all stated that I would have to file a report with the FTC identity theft, for these inquiries to be investigated and possibly removed. I have taken these steps and followed the advice that was given to me by the representative at the Credit Bureau 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received a notice in the mail stating someone has attempted to open an account under my name with ally. Which means someone had my private information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: We sold our vehicle, XXXX XXXX, back to the dealership for {$27000.00}. The dealership then sent the check to Ally. The pay off we were given by Ally was for just over {$26000.00}. We received a check back about a month later in the mail from Ally for only {$90.00}. I called Ally and asked why we only received {$90.00} back, to which the person I spoke with told me " he couldn't tell me, he would have to get his XXXX involved to request the breakdown invoice of why we didn't get more money back. '' He said I would get this back by mail in a couple weeks, as it take them 5 days to process it, then XXXX to send it in the mail. I have not received anything back from Ally regarding the breakdown of the fees and why we only got {$90.00} back, when it should have been much more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dispute 1 : Charge Off listed repeatedly In XX/XX/XXXX, Ally issued a charge off for the debt associated with this account. I was not contacted until XX/XX/XXXX. That being said, I was not notified that the account had issues brewing for several months since XX/XX/XXXX. Additionally, this account was not on my credit report until the charge off occurred in XX/XX/XXXX giving me no awareness or opportunity to remedy. In the XX/XX/XXXX phone call from Ally Financial, I learned that all communication and phone calls were with XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX ( registered to do business in Virginia ) In XX/XX/XXXX, Ally Financial recovered the vehicle for which the loan was taken out. The vehicle was not in my possession and was taken from my ex-husband. Ally continued to report a derogatory mark for an additional three ( 3 ) months despite already having written off the debt on their accounts and being in possession of the vehicle. My credit report also indicates that the account was closed in XX/XX/XXXX. I called the institution in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX. I explained on the phone call that the vehicle was purchased by XXXX XXXX XXXX XXXX, XXXX. That vehicle was purchased for business use by XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX had been responsible for all payments and the payments were not under my review or authority as I was not an operator of the business. Each time I called, including XX/XX/XXXX, the institution tried to get me to repurchase the car. To which I indicated that I could not do so. I am disputing that the furnisher has repeatedly reported for several months a charge off AFTER this initial reporting of such. I am asking that you remove the multiple indications. Per the Consumer Financial Protection Bureau, the information should not be listed multiple times after the furnisher writes off or charges off the debt. Dispute 2 : Removal of account When I spoke with the Ally agent in XXXX of XXXX, I told him about a court order that indemnifies me from the debt and asked how I might get a copy to the office. He again asked if I wanted to purchase the car back to which I said no. Then he told me there is no point of sending the court order document and that Ally would not do anything with the information. I am disputing this account in its entirety. I am requesting the removal of the account from my credit report per court order ( enclosed ) of XXXX XXXX XXXX, VA. The courts find that XXXX XXXX was solely responsible for the misappropriation of this debt and failure to pay as the CEO and only operator of the business. The business is ordered to be dissolved and I am to be indemnified from all past and future debts associated with XXXX XXXX XXXX XXXX, XXXX. I have attached a copy of several documents with regard to this dispute : Copy of my credit report pulled on XX/XX/XXXX with the account and dates in question circled. The XX/XX/XXXX letter from Ally Financial A full copy of the court order from XXXX XXXX XXXX, Virginia
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2023-10-03
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/XXXX I received an email prompting me to reach out the Ally ( the banking institutions ) fraud department in regard to my account. Within 10 hours of this email, I reviewed it an reaching out. They asked me general information questions on the account and then asked what a specific deposits were. They were direct deposits from XXXX, which I use to accept payments for my art business as I am an independent artist. I miss-spoke and said this was a business transaction after they asked " were these deposits business related? '' and they immediately told me they were going to send this into review for their fraud team because they do not allow business on their bank accounts. I tried correcting myself because these were not business transactions, these were direct deposits from payments made on an entirely different platform. They ignored me and submitted the case anyway that I was " doing business '' on my account. This was not a business transaction and I corrected what I said to what I actually meant - that was this was a paycheck, just like anyone else 's direct deposit, that was deposited into my account by my own business ' funds from another company I DO use for my business transactions ( Honeybook ). This was NOT a business transaction but it was too late and they locked me out of my bank account and can not give me a date to when this will be fixed in the 8 times I've called for a review. I feel as though the lack of willing to hear me out on my miss speaking to the fact that this was a paycheck not a business related transaction in the moment of speaking to me was misleading. It felt as though they were trying to bait me into agreeing that I was a business owner 'doing business ' so they could have a valid reason to freeze my account. Now they have blocked access to my account and WON'T GIVE ME A TIMELINE on when I can even expect a response back to what is going on. I can not even log on. I have no access to my money. No idea when to expect access to be back so I can pay bills and have no ability to tell companies when to expect their money since all auto-pay bills going out of my unjustly frozen account have bounced and they won't tell me when it could be fixed! Their customer representatives repeatedly tell me they have no idea when to expect information. That they do not give timelines. I need answers or I am facing credit hits from missed bills all for having my paychecks be from my small business and not something they 'recognize ' when I could tell them what it was when they asked!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been paying on my car for 6 years now on a 5 year loan. When I pay the balance doesn't go down for months, then only goes down by a single payment. I requested payment history and it only shows the payments not the balances. There is no balance history available online or on the statements. The statements are just bills. I requested balance history but didn't receive it so I have requested it again. I want to know how my interest is calculated, how my payments are calculated, and my balance before and after payment. I have been trying to get all the info I need for 3 months. I am pretty sure I should be paid off by now. I want to know where my money went.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I contacted a representative on XX/XX/XXXX to change my due date, requesting the first payment to be due on XX/XX/2023. The representative agreed to this change. However, on XX/XX/XXXX, I received notification of a derogatory mark on my credit report. I reported this incident multiple times to Ally and requested them to review the recorded conversation. They promised to get back to me but never did. I also disputed the derogatory mark with my credit bureau, but Ally refused to remove it. As a result, my credit scores plummeted from XXXX to XXXX. My husband and I have a long history of responsible financial behavior with no late payments for over 8 years, and this situation is severely impacting our finances, leaving me extremely frustrated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99577
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A