Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Ally Financial services. Contacted multiple Family members multiple times discussing debt without consent. Dates and voicemails have all been documented
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have filed two former complaint against Ally financial in my last complaint I explained how XX/XX/XXXX even though I disputed the amount I made four consecutive payments Ally financial postage three of the payments to my credit to my truck and then the fourth payment made on XXXXthey took an entire payment posted to late fees in the amount of {$520.00} instead of applying it to my payment that was due on XX/XX/XXXX then continue to mark my account as delinquent and I have been trying to get this corrected as I have made every payment on time they said in XXXX of XXXX I provided proof that I made four payments totaling XXXX XXXX XXXX XXXX how they can take the payment that was made on XX/XX/XXXX and apply that toward fees instead of my current payment due is what Im disputing and therefore my account is not late and needs to be updated to reflect that my account was paid in full as of XX/XX/XXXX my payment was due on XX/XX/XXXX. In my former complaint they stated I have not reached out to the company I have reached out to every person in that company nobody can fix it everybody tries to argue with me I have provided documented proof both to consumer protection agency all three credit reporting agencies and Ally financial I can not get a direct number to contact the department that handles dispute and I can not get a direct address to the number that handles dispute the information that they provided to consumer protection is not correct and theyNo explanation as to why my payment on XX/XX/XXXX was not applied to my payment that was due on XX/XX/XXXX instead an entire payment was applied to XXXX and therefore continue to mark me as delinquent for that month and every month there after accumulating a continuous barrage of late payments or fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX I was trying to make sure my contact channels for XXXX was correct so I could begin using it again. I have not used it for over a year. When I did use it, I would only use it to send occasionally to send money to a friend or transfer money between my accounts. I wanted to start using XXXX again because Im opening another bank account. When I try to make sure it was registered, it did not work and I called the bank and they could not tell me what the issue was. They said they were going to open a case for someone to look into it and contact me. They said it would be three business days. The next day I tried to do an external transfer but Ally wouldnt allow me to link another bank that way either. I chatted with someone who told me that this is relating to my XXXX issue and its still being looked into. They still could not provide me with any information. Yesterday at around XXXX XXXX I received a missed call no voicemail was left so I googled the number and it said it was Ally bank. I called Ally Bank and the guy told me that he did not see a missed call and he didnt have any updates on my case. He was continuing to look at my account & the call disconnected. I didnt know what happened but he told me that there was no updates, so I did not feel a need to call back. About XXXX minutes later, I received an email stating that there was suspicious activity detected on my account today. I immediately called back and asked for a supervisor and the agent that I reached told me that I could not speak with one. They said there was none available. She did allow me to leave a voicemail though. I expressed that I was very frustrated with the experience that I have been having the past few days. No one has been able to give me any information. The agent proceeded to ask several security questions, and the last few asked if I ever filed a XXXX dispute, or if anyone ever filed one against me? I said no And the agent still said she could not give me any more information and she will forward my answers to the investigation team. I left a voicemail for a supervisor but I am very upset by this whole interaction and I want my issue resolved as soon as possible. It is scary as a consumer, to be asked these types of questions, and then be locked out of all your money. I Received an email this morning, stating that someone reset my pin and the customer service representative I spoke with said they could not see what this would be. Today was my eighth call Ive made to Ally since Saturday. The last few calls the agents are very rude to me and XXXX person named XXXX ended up hanging up the phone on me. I asked for his XXXX and he said his managers name is chance, and he refused to speak with me. I called back and spoke with XXXX and she told me there is no timeframe she can give me on when I will have access to my accounts again. This is not a reasonable request. I asked her if it could be a month without access to my accounts and she told me she could not tell me that. I am not being treated fairly. Please help me because when I call, they are brushing me off and not rectifying my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I made CFPB complaint against Ally bank that they cant ' do a stop check payment even after collecting {$15.00} fees from me. It was done few weeks back. as part of retaliation, Ally bank sent me a letter that they are going to close my bank account. Please investigate this and take strict action against Ally bank who's actions are nothing but retaliation. When asked Ally bank - what is the specific reason for this letter and intention to close my account- they are not providing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A credit card with ALLY CREDIT CARD/CWS was applied for in my name without my consent or knowledge. On XX/XX/2023, I contacted ALLY and XXXX about removing this inquiry from my credit report. On XX/XX/2023 XXXX informs me that the credit inquiry is accurate and will remain on my credit report. I would like to have this ALLY credit card inquiry removed from my credit report as well as have the account terminated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76065
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX Inquiry Date : XXXX XXXXXX/XX/2023 - 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.
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: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by a wrong number and eventually got dragged into conversation with this lady, at some point we moved our conversation to XXXX were she introduced me to a crypto trading platform called XXXX. This was a clone company so I could not know that these were fraudsters. For some time, I was trading with some success, but at some point, their support service told me that I must pay certain tax or I will face penalties on a daily basis. I was scared and I had to take loan due to the fact that there was no way for me to earn that much money. XXXX, who was initial contact reassured me that this is normal procedure with trading platforms and I fell for it. I ended up losing XXXX USD which was my entire life savings Funds were transferred from my Ally Bank account, I have approached them with an ADR and they closed my account and took all money out and sent it to me via mailing address. I have accused hem of breaching CDD measures and asked for chargeback, or reimbursement and this is what they did, I am so disappointed. They sent me a written explanation on my request few days after they closed my accounts. Excuse was that my account was involved in suspicious activity, but they said this only after I approached with ADR letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Dear ALLY FINANCIAL, I am responding to your contact about a debt you are trying to collect. You put on my credit that I owe you a debt. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit was ran without my consent and credit bureau neglected to contact me for consent. Despite note on my account, making them aware to do so due to fraudulent activity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A