Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've noticed some issues on my credit report that I didn't agree to. According to the law ( 15 USC 1666 ( 3 ) ( i ) ), when I believe there's a billing error, the creditor has to fix it unless I said it's correct. Here 's what I want : An acknowledgment from the creditor within 30 days of my notice. Corrections made in two billing cycles ( but not more than 90 days ) after my notice, and they need to tell me what they fixed. I didn't agree to what's on my credit report, and they violated my privacy. Their inaccurate report is blocking me from using my credit for daily life and buying a car, which the law ( 15 USC 1681 ( a ) ) says should be fair and accurate. I also believe they're discriminating against me. They must show me where I said they could report these late payments. I demand they delete these late payments from my credit report and update the payments to paid on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I've requested to file XXXX separate grievances ( employees all say different things ) ; I've talked to supervisor, and he took abusive action : illegitimate and retaliatory financial withholding. Employees blatantly lied to me about business practices and when I should receive my debit card. I'm receiving discrimination from this company. Currently the supervisor has locked me out of my account because I told him after all the negative experiences I don't want to bank with Ally and plan to utilize Chime or something instead. In retaliation he locked me from access to my accounts stating he couldn't verify my identity when I've jumped through every hoop created, answered every security question correctly ( I refused to verbally provide my full social because I'm in a domestic XXXX shelter around other people it would place undue risk on my information, but I did provide the last XXXX ) and have provided my government issued identification twice and have answered every former address related question, mother 's maiden name and every other question under the sun correctly. I've wasted a significant amount of time on the phone lines trying to repair their errors with no compensation and no positive results. I still not having access to my funds. Ally has gone above and beyond to create barriers, lie to me, and refuse me access to my own money. These calls were all recorded. Please investigate this poor practice. Sincerely, B.S., XXXX, Ph.D. in Human Services Canidate Please take this complaint seriously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got so many hot inquires most of those I do not recognize those
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication XXXX any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXXXXXX {$85.00} charged twice by credit card company in error they admitted it but say they dont know how to fix it. The city of XXXX confirmed they only received one payment. Sat on hold for over an hour for dispute dept when it not a dispute with the seller the dispute is with the credit card company as they charged me twice in error. Then sat on hold again with a supervisor who also admitted they charge me twice in error who also doesnt know how to fix it. Then another charge to XXXX XXXX XXXXXXXX XXXX for {$33.00} credit card company paid the seller once but charged me twice. Admitted again they did it but claim to not know how to fix it. Both of these double charges have separate transaction numbers as stated by the supervisor. She states she dont know how to fix it. I tried twice two calls one on hold for 45 for dispute XXXX that never answered. Then again another 45 min with rep and supervisor who resolved nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX Ally Financial XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I moved to XXXX, Alabama for school and was living with a relative and due to our schedules sharing a car wasn't an option. I took out a loan for roughly around XXXX XXXX {$4500.00} with a company known as XXXX to go and get a car. This was my first time taking out a loan and making a big girl purchase of getting a car with no assistance from anyone. The only thing I had in my name before this car was 2 credit cards which I was doing pretty well with keeping up with, so my credit score was stable. I decided to check out this local dealership in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX in which I found a car perfect for it be my first-time car and an everyday car. The car I purchased from them in XXXX which was a XXXX XXXX XXXX XXXX that had roughly XXXX miles on it and minor things to be fixed like one of the headlights and a hinge piece to the passenger side door. The customer service salesman XXXX XXXX who sold me the car told me that since these were minor problems that occurred before me purchasing the car that he would have them fixed. Needless say XXXX didn't get any of those things fixed even have text messages asking about both problems being fixed, and nothing was ever done. Unfortunately, I found out through his XXXX in XXXX XXXX that he had passed away. Long story short my motor cut off on me on the way to XXXX to help my parents watch over my niece who we share XXXX with due to personal reasoning and I had it towed back to the place where I normally get my oil change from because I had gotten an oil change that day right before I got on the road. The guy at the oil change place told me that it had nothing to do with them but that this is the XXXX XXXX they got this year with the same problem I was having which was that there was a recall on the motors. I called my dealership and XXXX is the lead salesman that took over my issues and come to find out there was a recall notice out on my motor, but I didn't get any notice about it. XXXX had given me loaner car until he got my car fixed. He had promised constant communication about updates on my car and that didn't happen because I was always reaching out to him. Sometimes he would respond but most of the time it was excuses about why my car wasn't fixed. I have the messages between me and him as well. He had told me back in XXXX XXXX XXXX that a motor was found, and he found a mechanic that would fix it. Since that day I hadn't heard anything about the motor being put in to fix my car. I remember in XXXX of XXXX the day after my XXXX that he needed the loaner car back because his boss wanted that car to be sold and told me that a motor was hard to come by for my car, so nothing was done to it even though he told me back in XXXX that a motor was found for it. I had reached out to Ally bank who I financed my car with and told them about everything in which they couldn't do anything about it since the car wasn't in my possession and is inoperable, I told them that I couldn't afford to keep paying on a car that I hadn't had in months and still don't have as of this day. I reached out to XXXX again in XXXX of this and told him what Ally bank said and wanted to be compromised with something since none of this was my fault. He had no updates for me about the car or showed any care in the world. I still have documents and personally items in the vehicle that I haven't gotten back. So needless to say, this hurt me financially, messing up my credit, and is keeping me from purchasing another car which is needed because I have a baby on the way in XXXX. I personally feel I was told lies and broken promises from the car dealership which I believe & so does my parents that they got off on me as in sold me a lemon. I am a XXXX XXXX XXXX and was doing what was needed to make it through school with no help provided only to end up played in the end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account is past the 7 year mark on my account and should be removed as an old account. I contacted them and they said the account was updated to reflect last updated time frame. This account was opened in XXXX. It's showing a negative effect from XXXX. The account was paid in full
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a money market account with Ally bank. I initiated a transfer from my original savings account to fund my money market account in the amount of {$12000.00}. Ally wrongfully initiated two transfers of {$12000.00}, totally {$24000.00}, which over drafted my account. I called Ally to have them cancel the second transfer that I did not initiate and I was told they could not and that I needed to contact my origin bank. I contacted the origin bank, XXXX XXXX XXXX, and was told because they are not the bank that initiated the transfer that they could not cancel it, but Ally should be able to. Ally refuses to cancel the transfer. I asked to close my account with Ally and was told I need to wait for the two transfers to post before I can close.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Ollo Credit Card account balances were acquired by Ally Investors. New Ally Credit Card was issued and has been received. For approximately THREE ( 3 ) weeks, there has been an INABILITY to access my Ally account information. AN ADVISORY COMMUNICATION FROM OLLO SAID THE NEW ALLY CREDIT CARD INFORMATION WOULD FUNCTION IN THE SAME MANNER. Ally 's customer service ( different person each time ) has on XXXX phone call from me to Ally, stated my complaint has been noted and is under investigation ; that an Ally representative would telephone me ( only promised XXXX of the 7 times ). My most recent telephone contact was today, XXXX, XX/XX/XXXX. Ally 's Customre Serice person can not /will not provide an estimated length of time when this problem will be resolved. Given the summation of various of various Ally Credit Card Company comments, I surmise a much larger consumer financial information access problem exists for many, if not all of those persons with Ollo accounts who had their accounts transferred to ALLY - I encourage FCPB to look into the entire situation and use its influence to help further Ally to fix the problem ( s ). THANK YOU FOR YOUR ATTENTINO TO THIS MATTER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A