Date Received: 2023-09-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received my credit report on XX/XX/XXXX, XXXX from XXXX XXXX XXXX, and XXXX XXXX There are some accounts I don't recognize and inquiries I didn't authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 Ally financial reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of this year, a XXXX XXXX car that my daughter and I financed where I was the co signer through Ally financial. Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. Ally financial then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. Ally financial called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear CFPB, I hope this letter finds you well. I am writing to report a grave matter that has shaken my financial well-being and sense of security. My purpose in reaching out to you is to seek your assistance and guidance in rectifying a situation involving multiple unauthorized hard inquiries on two of the three major credit bureaus. If not all!! Over the past several weeks, my financial life has been turned upside down due to what I believe to be a case of identity theft. I have discovered a series of unauthorized hard inquiries on two of the three major credit bureaus, each of which has left an indelible mark on my credit profile. The following companies have made these inquiries without my consent : 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 XXXX XXXX XXXX. Ally Financial 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 XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized hard inquiries have not only impacted my credit score but have also raised concerns about my personal information being compromised. I have taken immediate steps to freeze my credit and report the potential identity theft to the authorities. I kindly request that the CFPB intervenes and conducts a thorough investigation into these unauthorized hard inquiries. I am reaching out to you with a heavy heart, as I am a victim of what appears to be a deliberate act to undermine my financial stability and personal security. Please guide me on the steps I should take to rectify this situation and prevent further damage to my financial reputation. Your assistance in resolving this matter is of utmost importance to me. Thank you for your prompt attention to this pressing issue. You can reach me at [ Your Phone Number : XXXX ( XXXX ) XXXX ] or [ Your Email Address : XXXX ] if you need any additional information or documents to proceed. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: The week leading up to XX/XX/XXXX, I attempted to log in to my bank accounts at Ally Bank. ( account numbers : XXXX & XXXX, username : XXXX ). Upon logging into my bank account, I realized that my account had been frozen. I had just received my direct deposit from work for XX/XX/XXXX. When I called Ally and spoke to a representative, she explained to me she could not tell me why the accounts were closed, only that I should of received a physical letter ( which I never did ) letting me know the accounts were being closed. By the following week, I did receive a letter from Ally, stating they had closed my checking accounts per their deposit agreement, but never actually provided a description ( fraud, illegal activity, etc ). In this letter, was a check for the amount of {$1000.00}, what was left in my checking account XXXX. Since I was blind sided by my bank XXXX XXXX XXXX randomly shutting my accounts down without explanation or a proper heads up, I went to XXXX XXXX that week and was able to establish a new checking account. At this time, I was also a customer of Ollo Credit and had a reoccuring account with them since XXXX. I had received notification that Ally Bank was purchasing Ollo Credit and that a merger was going to occurr. I had tried to log in to my Ollo account through the month of XX/XX/XXXX and showed no payment due. Then on XX/XX/XXXX when I logged into my Ollo Account I was directed to finsih the merge to Ally Bank. I noticed I was provided my same log in credentials from when I was a banking customer, XXXX. I was puzzled as I had no longer been a member of Ally bank for over a month. They closed my checking accounts down over a month ago and yet still maintained my log in & personal data, for a new credit account they purchased from another company. Upon finishing the log in process, I noticed my Ollo credit card account had been transferred to Ally, as expected. When I looked further, I noticed my 2 checking accounts that were " closed '' XX/XX/XXXX, were not all closed. The XXXX account had a statement saying " Closed XX/XX/XXXX '' but the XXXX account was still open and now displaying a - {$35.00} charge. I reached out to Ally on the night of XX/XX/XXXX, the first customer care associate was no help. I spent over an hour and a half on the phone with him, only for him to tell me supervisors were not available. I hung up the phone, called back shortly after and spoke to a wonderful woman, whos name I don't recall, but I told her to immediately pass me to a supervisor. She understood my tone and was able to connect me to " XXXX ''. I explained my concerns to XXXX questioning why this account was still open and the experience I had earlier with the associates. XXXX was not able to provide me with an explanation, only that an employee at Ally had re-opened my checking account XXXX, after XX/XX/XXXX to " process merchant charges ''. I expressed to XXXX my concern, " How can an employee at a bank, who closed my account at their disgression, then re-open an account without my knowledge or consent? '' I asked him to provide me a signed agreement after XX/XX/XXXX, in which I authorized this. XXXX was speechless, as he knew that someone messed up regarding this situation. As I looked further on the statement for account XXXX, the - {$35.00} I had on the account was processed XX/XX/XXXX, 16 days after Ally bank closed my account. After having a long conversation with XXXX, I expressed to him I had filed reports against Ally, as my privacy had been breached by one of their own employees. I have reached out multiple times to Ally support and have 2 case numbers involving my recent inquiries into these faults one is # XXXX, the other case number, XXXX is from a chat assistant XXXX. Then on XX/XX/XXXX, I received a phone call from Ollo Credit ( XXXX ) XXXX. When I called the number back I spoke to a XXXX (? ). When she verified some info from me, she asked me " How can I help you today? ". I expressed to her I had a missed call from them and was returning it. She took some time to look up my credit card account and said they were reaching out because there was " a returned payment on XX/XX/XXXX for an amount ~ {$800.00} ''. I expressed to XXXX that Ally Bank had recently purchased my credit account from them. She seemed oblivious this buy out of her company had even taken place. I continued to ask her about this returned payment and upon her admission, Ollo Credit had tried to process an ~ {$800.00} payment to my Ally checking account XXXX that was illegally reopened by an Ally employee after the date of XX/XX/XXXX. I explained this situation to XXXX and the only thing she expressed to me was to fax over some information to prove these details. I am concerned as my privacy and personal data has been breached and abused by Ally Bank and possibly Ollo Credit. I have reached out to Ally and demanded the name of the employee who re-opened a bank account in my name, without my knowledge or consent. I have not received any correspondence back as of XX/XX/XXXX. I was a victim of identity theft while a customer of Ally in XXXX. Someone was able to create a fraudulent checking account in another state in my name and send ~ {$9000.00} without Ally even questioning it. They were able to return the money after I called them the day the transaction occurred. I am reaching out to all entities in hopes to find resolution and protection from from Ally & Ollo 's negligence. If they were able to continue these charges and process these charges without my knowledge, it could of financially ruined me down the line if I was not conscience and persistent in noticing these faults.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed. Heres a couple inquiries I do not recognize. XXXX XXXX XXXX XXXX ALLY FINANCIAL 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: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had almost maxed out my card! Not used it lately and worked to pay down to 30 %. Made all payments on time and more than the amount and extra payments than today they dropped my credit limit without justification 65 %!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29527
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Date of transaction was XXXX XX/XX/2023 @ XXXX check was deleievered to Ally. Check was Reconciled on XXXX XX/XX/2023 by Ally. The XXXX XXXX XXXX XXXX XXXX sent them a check for {$54000.00} u.s.c to pay off my loan XXXX Ally since I refianced my vehicle through my XXXX XXXX XXXX XXXXXXXX. I been banking with the XXXX XXXX XXXX XXXX union for over 10 years. The XXXX XXXX XXXX XXXX XXXX has also been helping me ( XXXX XXXX and XXXX ). The Nature of this disput was that the check was returned for no reasoning and that me ( XXXX XXXX or the XXXX XXXX XXXX XXXX XXXX did not recieve this check back. Ally also stated that they dont know where the check went back to or were it went. The bussiness has not helped or not tried to resolve the problem. This bussiness ( Ally ) sent me a letter to my parents residence stating that the vehicle was paid off and congratuatlations. Now to this date. The credit union send two check were ally stated they were reversed back and sent back with XXXX XXXX or the Credit Union not recieving the second check back. Everytime We call Ally, We got the run around and talk to atleast 7 people getting transferred to either customer service, collections and back to customer service. This bussiness has not helped and ruined my credit for telling me my vehicle has been paid off and reverse the transaction and now been 109 days since i made my last payment through them. I currently have two loan Now on 1 vehicle which i Shouldnt be doing. Ally now is trying to hit me with late fees and charges for something they should be responsable for. Tracking number for this chexk is through XXXX and is XXXX and the check was delievered on XXXX XX/XX/2023 at XXXX and was reconciled on XXXX XXXX XXXX status also shows reconcile which ill provide photos. No ad was not advertising. This is currently effecting my credit aince I been paying my new loan for the vehicle. Ally is totally at fault for this and is trying to have me pay fees I should have to since they never notified me about my checks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Auto admitted to sharing information regarding payments/transactions on my credit reports that should not have been shared and are to be excluded from any reports pursuant to the FCRA. The information has yet to be removed and now they are stating it will take another dispute and another 30+ days to remove the information when the original dispute and confirmation that the info would be removed is over 90 days ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Repossession
Subissue: Voluntary repossession
Consumer Complaint: I purchased a new XXXX XXXX XXXX on XX/XX/XXXX through financing provided by Ally Bank. When the schools shut down during the early stages of the pandemic, I was fired from my job because I could not find childcare for my XXXX children under the age of XXXX. Ally Bank offered me a temporary extension bringing me current through XX/XX/XXXX. Unfortunately, schools remained closed and I was not able to return to work. I received a charge off notice in the mail on XX/XX/XXXX. I have to put into context the area in which I live. I moved to the middle of the XXXX in late XXXX early XXXX for the aforementioned job. There are no cell phone towers in my vicinity and at the time, the internet service provider was just above dial up quality. I spent the majority of the first year of the pandemic locked down in a small trailer with limited connectivity. When I received the charge of notice I sent a message through my Ally account portal notifying the bank that due to my job loss I could no longer afford the car and asked when they would be picking it up. I did not drive the vehicle after XX/XX/XXXX because I was terrified the the bank would come to pick it up while I was in the grocery store and I would be stranded somewhere with my children. I did not receive a response. In XXXX I sent another portal message asking Ally to come get the car. They responded they received my repossession request, and needed me to call them. I wrote back letting them know the situation with no phone service. By XXXX of XXXX, I did some research as to why a lender would not repossess a vehicle. Most of the resources I found indicated that this happens when the lender does not believe the vehicle 's value to be more than the cost of repossession. I found that hard to believe as the vehicle was only 2 years old when I surrendered it and was still valued at close to {$20000.00}. We had a new internet service provider and a slightly better ability to make phone calls, so I attempted to call Ally Bank. I thought since it had been so long we might be able to work out a lower payment so I could get it back on the road. I was still without a vehicle and it had been actively looking for new full time employment. In my rural setting, there are not many viable work options and the closest suburban area is about an hour away. It took me several days to reach Ally. The department I needed to speak did not have someone regularly answering the phone and there was no way to contact them directly. Each employee I spoke with during triage expressed surprise when finding out it had been two years and the vehicle had not been repossessed. I was finally connected with someone in the right department. I explained the situation and was told by the representative that they could not talk to me. When I asked why, they said they could only speak to my attorney. I told them I did not have an attorney. They said there was a note on the account regarding attorney only contact, and I again stated I never had an attorney. I was transferred again. I asked the next representative what my options were and she told me I had to pay the past due balance of {$26000.00}. I said I wanted them to take the car. The woman I spoke with ask about the location of the vehicle, if it was locked in a garage, and if they would need any codes to access the property. I let her know the vehicle was and has been sitting in my driveway since XXXX, no gates, no obstacles. The Ally representative informed me that they were a little backed up, but they would be coming to get it. I heard nothing from Ally Bank until the letter I received from Ally Bank dated XX/XX/XXXX. The letter stated by account had been sold to a company called XXXX XXXX XXXX. To this date, this is the first correspondence I have received from Ally Bank since my XXXX request. They have had my phone number as well as my address. I have not received any debt validation correspondence from XXXX XXXX XXXX. The XXXX XXXX has been sitting for the last 3 years. It has seen 3 XXXX winters, wildlife refuge, and storm winds and hail. The value of the vehicle has depreciated immensely and now I am left with a vehicle I can not drive and {$26000.00} in debt. I have been working with the USDA to move, My children and I are in a compromised living situation and I am unable to get approved for safe and clean housing due to this debt, While I understand the debt is mine, but Ally Bank told me they would collect the vehicle. If they had sold the vehicle and possibly recouped a large portion of the debt and I would have something more reasonable to work with. How can they sell a vehicle debt on a loan in repossession status?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A