Date Received: 2023-10-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX XXXX did abuse the conscience of the Consumer by using deceptive forms for an auto loan. In XXXX XXXX XXXX extended credit creating a debt with XXXXXXXX XXXX dealer in XXXX Michigan. I exercised my Consumer right of rescission and informed the dealership to come pick up the vehicle from my home. Based on the rescission efforts done in good the security interest was to be returned to me in accordance with the Truth in Lending Act. XXXX XXXX failed to return any security interest and the credit that was issued to them. Also XXXX XXXX along with XXXX XXXX in Michigan committed identity theft due to not returning my wet ink signature contracts signed by me nor did they return the down payment that was not included in the finance charge. Both XXXX XXXX and XXXX XXXX did gain an interest in my private property in accordance with 15 USC 1667 ( 5 ) a security interest was granted to both XXXX XXXX and XXXX XXXX that secured my obligation to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX of XXXX, XXXX Not only ran too many Credit inquiries sometimes to the same Finance company, But they sold me a Service Contract that I made extremely clear I did not want to purchase. When I put my foot down the Finance XXXX XXXX, insisted Ally Financial required a Service Contract. After my Hospice visit to XXXX, I returned to XXXX and called Ally Financial who informed me that I should not have been forced to purchase a service agreement, nor was it a prerequisite for them to accept the Loan. XXXX DOJ Consumer Relations contacted this Dealer and negotiated an adjustment. The Dealer did not re-write the Loan Contract, but instead sent a Check to them for {$1800.00} ; negating the Taxes on this amount. I sent an email to the Manager and he refused to rewrite the Loan, by saying " not gon na happen ''. XXXX also failed to asked whether I would prefer to pay cash for the Registration Fees, instead they included this inflated amount into the Financing. Now I am paying an inflated Interest Rate Due to multiple inquiries ; undue finance charges due to unnecessary charges. And, the Dealer had me driving with an expired Temporary Tag because they did not register the Vehicle in a timely fashion. I had to get XXXX Dept. of Motor Vehicles to get this Dealer to provide me the Tracking # so the XXXX DMV to trace my documents. A complete stressful, nerve-racking nightmare.
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: 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: Reporting company used your report improperly
Consumer Complaint: The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. - Account Name : ALLY FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ALLY FINANCIAL RECEIVED THE PAYMENT FOR MY TOTAL LOSS PAYMENT XX/XX/2021 IN THE AMOUNT OF XXXX, XXXX. THE ACCOUNT SHOWS CHAGED OFF WITH A BALANCE. IN REFERENCE TO THE ALLEGED CLAIMS : I have not supplied proof under doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) XXXX XXXX XXXX, I presume no proof of alleged debt, nor therefore any such debt, in fact therefore exists. Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission. Billing error- 15 U.S. Code 1666 - Correction of billing errors. 15 U.S.Code 1605 ( a ) finance charge sum of all charges insurance for the vehicle and insurance to cover health, life, accident, and gap insurance and NO CASH DOWNPAYMENT. THE OWED BALANCE IS DIFFERENT PLEASE SEE THE ATTACHED DOCUMENTS. THIS COMPANY ALSO TOOK AUTOMATIC MONTHLY PAYMENTS WHEN LOAN WAS CLOSED. I WILL LIKE A REFUND IN THE AMOUNT OF {$2800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94578
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: Getting the loan
Subissue:
Consumer Complaint: I was a vitims is theft ally financial. I provide police report. They need to fixed this issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a text about authorizing a XXXX transaction and I declined. I called my bank and at the same time the exact number I was calling was incoming so I picked up the incoming call from XXXX ( Ally Bank customer service ) the posed as the bank and said I needed to reverse the charge and gave me a name. I again at this point confirmed the phone number was my bank number and authorized - they had all my credentials to get into my account - a few hours later I called my bank and found out they did not in fact call me and we shut my accounts down and opened an investigation - the following day I received XXXX calls from XXXX I did not answer and called the bank only XXXX of those XXXX calls were truly Ally. I had it change my cell, email, bank accounts and all credit cards. Filed a police report. This took time away from my job and hours of stress throughout the entire investigation which was from XX/XX/XXXX - XX/XX/XXXX. Ally bank came to the conclusion that I authorized the transaction and would not honor my dispute and I was out $ XXXX. The letter I received also stated the receiver provided information stating the transaction was authorized. That statement there is concerning so they contacted the criminal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am responding to ally credit cards response dated XXXX Back in XXXX i did make a couple of purchases from XXXX and use my ally credit card to make the purchase. After that my account was hacked and closed by XXXX which i sent that over showing to you. XXXX had given me credits for the merchandise that i purchased. When i got my statement there were other charges that i did not recoganize and i reached out to XXXX they infestaged closed my account out cause it was hacked. I have called ally severall times to report this and each time time the ignorant people i spoke to keep giving me dispuites insted of fraud. Listen and listen to me good for the last time i did not make the XXXX charges that are currently on this bill those charges are fraud. There were two sets of charges the other were refunded cause i sent the merchandise back. After that my XXXX account was hacked and these other charges are fraud not mine. Im sick of arguing with the ignorant people at ally credit card. What is wrong with you. I am reoprting this to the attorney general general of the state of ohio and the XXXX I have also spoken with an attorney and will sue you if need be or if you try and report this to my credit buro. Again im telling you these charges are fraud. Remove them from my account i sent documtation from XXXX showing that my account was hacked. This is ridicilous. I had sent the screen shots to show that the charges i made were sent back to XXXX. As proff. The rest of the bill is fraud fix it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44087
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: I am owed {$990.00} for a vehicle we have purchased and had to send back because nobody had a tittle for it. It was payed in full and we are owed the remaining balance they sent a check with me and my fathers name on it and we could not cash it or deposit the check so I sent it back to them and they said they would not send another one and we could not use it as a payment for the vehicle we have now. I have tried numerous times to have them use it for the payments and they have refused to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. Inquiries in order : 1. Ally Financial has given me 3 separate inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A