Date Received: 2023-09-21
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: I currently have a loan with ally financial. There has been a bankruptcy filed after repossession placing an automatic stay on the car. By law the car has to be returned to the owner fee of charge as past due amounts are addressed in the payment plan. It's been over a week and despite providing case numbers and notice of bankruptcy no one can tell me about my vehicle. No one not even their legal team knows. I've been on the phone over 7 hours a day now ffor over a week. This is not a comforting feeling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My 2 checking accounts were closed on XX/XX/XXXX unexpectedly. The letter I received from the bank simply stated they had the right to do so per their agreement. Not that I committed crimes, fraud or any illegal activity. That same day the account was re opened, without my communication or permission. They had already withdrawn my money and disbursed it that day per the transaction history. XX/XX/XXXX the checking account was still open and a transaction was processed. Ally was also in the midst of purchasing XXXX XXXX which I had an account with. When I went online just now XX/XX/XXXX to merge the account, I noticed Ally gave me my same credentials I was using when I banked with them. I was not given new credentials for connecting my credit account they purchased. When I logged in using my old credentials, I noticed they still had my checking accounts tied to the log in and showed a negative balance in the checking account that was supposed to be closed XX/XX/2023. I am on the phone with them now, and despite them closing my bank account on XX/XX/XXXX with the email proof attached, they are refusing to return the charges and shut the account down.
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: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: account number XXXX Ally financial Renting car out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. Ally financial and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30088
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: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Monday XX/XX/2023 at XXXXXXXX XXXX I received a text from my mom that my uncle was expressing he was tired of receiving calls from XXXX which sounded like a collection call. I called the number to find out it was Ally Financial which I had requested to cease and desist all calls a month or two prior. My uncle is a distant relative we dont speak to so I am very upset he was called especially after I requested cease and desist. I never used him as a reference. Ive spoken to ally financial about my unfortunate circumstances and understand I have an obligation to pay my debt. Ive experienced medical, loss of income and increase in expenses as my credit which used to be in the XXXX can reflect that. I am stressed out and the calls puts more stress on the situation. I was being refused a manager saying one was not available. I said I will wait finally got a manager who denied me a number or address for me to file a complaint on still receiving calls on cease and desist account. All calls are monitored recorded so this can be confirmed. The manager would not provide me info just said hed take my complaint and feed back I expressed to him I wanted to escalate it further. Then call went real silent. I had to do research to find this consumer finance protection site to file a formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is a very confusing process to say the least. I opened this case on XX/XX/XXXX for a {$500.00} charge on my card for attorney services that I NEVER received. On that day, I sent in the contract, and the written notice of request to terminate my contract to the company ( as outlined in the contract that we both signed ). Despite me sending in all of these details, I was mailed a documentation request from Ally Bank several days later. I called in and clarified that I sent in what was being requested already. I was told if any other information was needed, I would get a call or be mailed a request. I put emphasis on receiving a call from Ally if they needed more proof or clarification from me, because I want to make sure they have all the truth and matters of the case. Well today ( XX/XX/XXXX ), I called in and spoke with XXXX for several minutes. She told me that case was successfully resolved ( in my favor ) and I told her that this is good news, however I do not see the reversal or reflection on my account. We spent more time on the phone while she researched these things but then realized I was in the wrong department, she said. So then I got XXXX next, and she told me that the claim was denied ( contradicting the previous agent ). This was very disappointing and when I asked why, she said they needed proof of my termination in writing, but I already sent that. She said it would be helpful if I could send in any correspondence I received in return from this letter of contract that could show that the company denied refuninding me my money, thus being in violoaton of the contract. That is what I am attaching today. But please be aware, that the information that responded in this letter of denial for my refunds was NOT what we agreed to in the contract or verbally. She ( XXXX XXXX added in other information that was left out upon me initially signing up with them. When I signed up for lawyer representation with XXXX XXXX, he said his goal was to get all of my money back that I was scammed out of from a previous company. Our first goal was to talk to each bank and ask that all my previous cases be re-opened, with new documentation that we had from the deceptive company I dealt with ( XXXX XXXX ). However all of this backfired when I received a call on or around XX/XX/XXXX from XXXX XXXX XXXX, warning me to NOT accept any calls from XXXX XXXX ( the lawyer who I signed contract with and was supposed to represent me ) and that he was a thief and the company had to file a complaint against him. Well this was my red flag to leave, especially when monies were not recovered and recuperated as I was initially promised. So I wrote the company a letter in writing, asking to terminate contract and for my money back ( as outlined in contract ). The representative responded back and denied me my refund ( violated contract ) and then made up some legal jargon to try and justify the retainer and monies that I gave her, and even threatened further legal action against me. The lady who responded ( XXXX ) is NOT the lawyer, but she began to say that merchant would be responsible for refund, not banks ( this is not the understanding XXXX and I had ). But she only said this after XXXX XXXX with my then lawyer, XXXX XXXX, failed and we did not recover funds as outlined. XXXX is the one that told me if things failed with the banks, we could sue the company, but with XXXX gone, I realize that I was suckered into being apart of some other scam again ( sadly, the reason why I came to them for representation in the first place, from another company ). I have since filed a complaint against this lawyer and have attached this documentation too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-09-20
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: In accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and other relevant statutory and regulatory provisions, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and XXXX XXXX. According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ), there exists a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, and XXXX, as consumer reporting agencies, are subject to these responsibilities, and I am the consumer in question. As the consumer, I have the right to ensure that my private information is not shared, as reinforced by 15 USC 6801, which explicitly states that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX, as a financial institution by definition under this title, is also bound by this obligation. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) states that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' It is essential to note that neither XXXX XXXX nor the consumer reporting agencies XXXX, XXXX, and XXXX have my consent to furnish this information, and they certainly do not possess my written consent. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, XXXX, and XXXX XXXX. Moreover, 15 USC 6802 ( b ) ( c ) stipulates 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) clearly states that " Except as authorized under subsection ( 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 which antedates the report by more than seven years. '' The account in question includes adverse items being reported without my permission, which is a clear violation of the law. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) specifies that " 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. '' In addition, 15 U.S. Code 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' It is evident that XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Furthermore, XXXX CFR XXXX clearly states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of these reporting ( alleged ) services immediately. In light of the aforementioned violations of the FCRA, I request that the CFPB investigate this matter thoroughly and take appropriate action to rectify these violations. Any account information you require, such as account start date or account #, I am happy to provide. I look forward to a prompt resolution of this issue and request that you keep me informed of the progress of your investigation.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I am being charged XXXX from Ally Auto I have called several times and try to obtain info as to what the charge is for no one can tell me first they said it was a payment that was not made I told them I could provide proof from my bank account to show the payment was made but the person I spoke to would not allow me to forward the info I called and ask to speak to a supervisor several times no one calls me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX Birthday XX/XX/XXXX Ally Bank ( car loan ) XXXX XXXX XXXX, XXXX, MarylandXXXX ( address that's on account ) Phone XXXX Now I can't get in my account with Ally Bank and I tried for a few days so I can get a few statements How do I sue Ally Bank for reporting inaccurate information that hurted me and prevented me from attaing credit and a loan. Reinvestigate the completeness of every piece of information that's associated with this account. If the information isn't accurate, I asked that your bureau remove this from my credit report. The payment history, balances, past due payments doesn't make sense. Ally Bank said I owed XXXX with no payments due and now Ally Bank emailed a statement stating I owe XXXX as of today. Which is still incorrect I want all negative information removed from my report from Ally Bank please. Ally Bank decreased the late payments, which is still incorrect. Which means past due payment are still incorrect and dates that Ally Bank reported on report is still incorrect. My balances are incorrect, past due amount, missed payments are incorrect. My whole account is inaccurate just about. When you call they never allow you to talk to a supervisor so your problem can be addressed. This inaccurate information has prevent from recent loans. I want all negative reported information removed past due payments, incorrect balances, and missed payments removed. I had a Electric warrty on my car loan for XXXX and I canceled the warrty but never received a refund. Look at my payment history in the past, payments history is great. From Ally Bank incorrect information is preventing me from credit cards and loans. Reported incorrect information such as balances, past due payments, when payment was paid, and how much is my car payment all this information is incorrect. The week of I XX/XX/XXXX, Ally Bank said I owed XXXX and some cents and now today they say I owe on XX/XX/XXXX Ally Bank say I owe XXXX, which is still incorrect. This Car has been paid off. These fees are false. I am providing statements and credit reports so you can see the inaccurate of information that has been reported. I had a Electric warrty on my vehicle which total XXXX and I canceled the warrty and I was never refunded the XXXX. Most of the information in this account is inaccurate that's been reported to the credit bureau. Ally Bank Car Loan # XXXX Report On XXXX XXXX XXXX it states I paid XXXX and then it states I am XXXX dollars past due. The amount due was XXXX and some change so I paid XXXX. I paid this payment on XX/XX/XXXX. My due date is XX/XX/XXXX which I wasn t late or past due. XXXX Report : In XX/XX/XXXX This report don t list any payment information. It also states that my account is ok. XXXX Report XX/XX/XXXX XXXX I have a past due payment of XXXX dollars. XXXX/XXXX XXXX Report states I paid XXXX dollars with no past due payment. XXXX Report XXXX payment history missing from account and some XXXX.
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.ally financial, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 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. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, ally financial, are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : 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. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( 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 the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and 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. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. 2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my Ally.com bank account in XXXX of XXXX. Last month, on Friday XX/XX/XXXX, I e-deposited two checks of a close family friend and his elderly mother in the amount of {$1200.00} and {$730.00}. The checks were to reimburse me for airline tickets, I made for them with XXXX XXXX and XXXX to fly between XXXX XXXX and XXXX XXXX for family functions the year prior, as I put the charges on my credit card. ( In away it was a loving kindness on my part to them, as I laid out the money, and waited for almost a year to be reimbursed ). Then middle of the night, on XX/XX/XXXX, I got an e-mail " Action Required : Call us to verify some information. '' We restricted your accounts because we detected suspicious activity on XX/XX/XXXX. You may not be able to log in or transfer money out of your accounts.Call our loss prevention line at XXXX for help with your accounts. Were available Monday through Friday from XXXX XXXX XXXX XXXX XXXX and on weekends from XXXX XXXX XXXX XXXX XXXX So I called Ally Bank immediately but was told their Loss Prevention department is closed, and I called again during business hours and the agent talked with an extremely pleasant and friendly tone, asking me a few questions, and she told me that they are going to investigate, and if the checks clear then everything will be okay, and my account will be re-enabled. On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$2000.00} | You have a debit transaction over $ XXXX : XXXX Debit Memo Date : XX/XX/XXXX On XX/XX/XXXX, I got an e-mail : Ally Bank Alert - {$32.00} | You have a debit transaction over {$0.00}. Transaction : XXXX Closeout w/ Interest/Dividend and another e-mail with the subject : Your Ally Bank account is now closed -- I got a check in the e-mail in the amount of {$32.00}, but I called the bank to speak to them, and after verifying the security questions, the representative transferred me to the loss prevention department , who again asked to verify the security questions. And then the representative immediately tells me, I can not speak to you and hangs up on me. I called again Ally Bank, and I explained to the representative what happened on the previous phone call. He put me on a hold for a few minutes and then transferred me again to Loss Prevention, and then the representative in a tone that sounded angry, and he was reluctant to provide any information, and I wanted to know what happened to the funds with the checks that I deposited. He said we are an FDIC insured bank and we do not keep other people 's money. They were reluctant to provide me with any further information. I have yet to receive anything further in the mail, other than a check in the amount of {$32.00} Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A