Date Received: 2023-09-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ally bought XXXX and required me to make an account with Ally. I have tried about half a dozen times to create an account, but each time, it says I have no account wit Ally. I have called Ally about 8 times and each time they tell me someone is working on it and will call me back. I still have no access to monitor this card 's activity and I have no ability to create an account. They also have no way of contacting them besides a phone number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I am in serious need of help with some hard inquiries I would like to have removed due to the unauthorized and unverified inquiries placed on my report. Please get back to me as soon as you can.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19963
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT. Case Name ( s ) & No. : Ally Financial XXXX XXXX XXXX ; Case No : XXXX Jurisdiction : 23rd Judicial Circuit Court for XXXX XXXX XXXX Missouri Products/Services Involved : Collateral Repossession Laws
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
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 have carefully reviewed my credit report in 3 Credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please correct this : ALLY FINANCIAL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally financial Account # XXXXDue to a violation including my Privacy of shared information for late payments that was shared with XXXX, XXXX, and XXXX. Under the Privacy Act of 1974 there was a violation on Ally Financial which discloses reported Transactions History to XXXX, XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974. Which is a violation with the Consumer Financial Protection Bureau. I am requesting Ally Financial to remove any and all late payments on Account # XXXX XXXX, XXXX, and XXXX and update the status to paid on time or I will be forced to report you to Consumer Financial XXXXrotection Bureau. `` 15 USC 6802 ( b ) ( c ) 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. '' According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general 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. I am requesting Ally Financial to remove any and all late payments on Account # XXXX XXXX, XXXX, and XXXX and update the status to paid on time or I will be forced to report you to Consumer Financial Protection Bureau. `` 15 USC 1681C ( a ) ( 5 ) states '' 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 than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the XXXX reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish Private Transactions of history late payments and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( 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 inaccurate. 15 U.S. Code 1681e states '' 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. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting Ally Financial to remove any and all late payments on Account # XXXX with XXXX XXXX XXXX, and XXXX and update the status to paid on time or I will be forced to report you to Consumer Financial Protection Bureau. ``
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: There are no suitable fiduciaries within the administration of Ally Financial Corporation. Fiduciaries are in breach of their duties, in breach of their obligations, in breach of consideration. They are not upholding the Power of Appointment Act, Social Security Act, Emergency Banking Act, Securities Exchange Act, Negotiable Instruments Act, Dodd-Frank Act, Gramm-Leach-Bliley Act, Public Law 73-10, Title 18 >Part I >Chapter 1> Section 8, Title 12> Chapter2 >Subchapter I> Section 24, also in violation of the Universal Postal Union, & The Constitution for the United States of America ( circa ) 1787 . I have tender payment in the form of Registered Securities to the Trustee/Paying Agent to their addresses on file ( Indenture Trustee, CEO, Processing Center ) which have not been returned to me. They have stolen my securities passing it on to a transfer agent who has most likely gave a special endorsement & pooled. XXXX XXXX have made a claim on the original instrument in correspondence for account in the name XXXX XXXX. Also, filing 1099s with the IRS in an attempt to settle, offset, discharge this event. The only correspondence back XXXX XXXX received from Ally Financial was to state 1099 is not a form of expectable payment also to inform XXXX XXXX of what was fit form of payment. As Grantor of this event, XXXX XXXX have claimed & made request that are totally being ignored ( RED FLAGS ) as consumer/debtor. Now over standing the debtor have rights under the uniform commercial code. Over standing now that XXXX XXXX gave a blank indorsement on the instrument. Grantor XXXX XXXX was & who has given value for the interest in negotiation to the original Instrument. On more than one occasion XXXX XXXX have tried to settle & reconcile this account by sending tender /requesting documentation including any single or double book entry, ledger, journal where XXXX XXXX allegedly cause physical debt, expense, loss, or in the case of tort. Where XXXX XXXX caused injury, medical records, time lost, work lost. It is crucial that XXXX XXXX address any legal, mental, medical, financial matters. Ally Financial have failed to provide any evidence under penalty of Perjury to ascertain and articulate the validity of this account, which XXXX XXXX have requested. These are Red Flags, XXXX XXXX no longer believes the action is legal, being discriminated against in many forms, trying to attain my rights. Harassed every single day by phone, sending third parties ( XXXX XXXX ) to my abode to take my property. Its feeling like a simulation of a legal matter. XXXX XXXX waived rights unwillingly, unknowingly and am trying to correct the error & omissions. XXXX XXXX NO longer believes that there may be an outstanding debt, or an obligation to contract, in connection with this account, tort, with the action. Were there any proceeds made that exceeded any amount of debt from the initial transaction. Does Ally Financial have legal, and equitable possession, do they have the notes, security agreement, pertinent to the account in question. Mere copies will not suffice XXXX XXXX requires signed statement by President, CEO, Secretary, Treasurer with joinder. XXXX XXXX requires assurance, XXXX XXXX believes ALLY Financial does not have original, legal equitable possession to the property title nor interest. XXXX XXXX must be able to obtain relief where it shall be granted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX XXXX. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood. I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. Sincerely,
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: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Last XX/XX/XXXX, I transfer {$1500.00} from my ally account to my external account XXXXXXXX XXXX. Then I received an email from XXXX XXXX that Ally filed a transfer dispute on my behalf without my knowledge and caused my XXXX account to be closed. I asked Ally bank the reason for doing that without informing me about the dispute. Ally bank said that its their responsibility to cover the funds since my account was overdraft last XX/XX/XXXX. As far as I know, they can only cancel the funds transfer if the account holder made an error but in my case, i did not made an error because I already got the transfer to XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had transferred {$1400.00} on XX/XX/2023 to Ally bank through XXXX Bank in search of better interest rates as I firmly believe banks tend to lie about their true interest rate or change it last second, I was happy with Ally until I noticed XXXX XXXXXXXX had offered 4.30 % APY noticing that and recognizing them as a big bank I was questionable and only started with {$500.00} on XX/XX/2023 realizing their interest rate was legitimate I decided to move funds from Ally bank to XXXX XXXX through XXXX as it is a faster method of transfer. I tried and it wasn't working, finally on the third or fourth try I had received a notification saying I'd met the daily limit, something I would've adhered to if I received the first time. Later I had received notice on XX/XX/2023 that they had locked my account, confused I called and asked them to unlock my account. I had done the whole verification process and they claimed it was under review for two days. So I waited the two days XX/XX/2023 I called them in the morning asking to please unlock my account they said that an investigator is looking into it right now and I should receive a call. I never did. I called back in the afternoon and received the same answer that it was under review by an investigator. I think it's ridiculous that I can't just verify my identity and unlock it right now, especially since I told them it was the account holder who was trying to transfer money. I've been told to wait tomorrow XX/XX/2023 to call in the afternoon but I don't have high hopes, I was just trying to transfer money. From a supposedly " Good '' bank now it's turned into a nightmare to get back my almost {$1500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX Ally Bank # XXXX XXXX XXXX XXXX, XXXX, MNXXXX, XXXX Address on loan XXXX XXXX XXXX XXXX.MD XXXX Alley Bank car loan is reporting incorrect information on my credit report. I spoke to them so many times about my payment history and missing payments they tried to say I didn't pay or was late. I few months ago Ally Bank was supposed to move 2 late payments from last year that was never moved. This year they was supposed to correct my account but never did. They have late and unpaid remarks payments on my credit report that's not correct. I wasn't late for majority of the late payments they have on my report. Also they have unpaid payments on my report that's been paid. A few times I was on a payment plan and payments wasn't do because of the payments plan and the still marked me late while on a payments plan. Nobody at Alley Bank will assist you. I spoke to a representative from alley Bank and she gave me dates that Ally Bank said I was late but wasn't late. When I spoke to the representative during the week of XXXX XXXX XXXX she gave me a few dates that Alley Bank said I was late and I looked at my bank statement and Ally Bank state and it stated I'm not late and I informed the agent from Ally Bank of tha while we were on the phone then she looked and said may like 2 late payments that Ally Bank said I was late and Ally Bank agent said we have that payments. Then I asked her to remove that incorrect information and she said she have to put in a request. I said to Ally Bank agent if you know the information is incorrect why you just can't remove inaccurate information she said someone else deal with that. Also Ally Bank have me 69 and 90 days late which is untrue. Also I paid my payments in XXXX to Ally Bank which was XXXX and that was paided on time and I paid a few cents over the amount. Then I had a pay off amount of XXXX. I sent Alley bank on check through the maid on XX/XX/XXXX XXXX to pay off my loan account with Ally Bank and they gave me a late fee which I paid before the payments was due. My payment is due the XXXX of each month. Theny Ally Bank agent dmsaid maybe the payments was list in the mail. This happened to me twice when I sent a check and Ally Bank tried to say maybe it's lost. I believe Ally Bank are doing fraud to get extra money out of their clients. I also Ally Bank have my monthly payments amount wrong on my credit report my pay is XXXX and Ally Bank reported it on my credit report for XXXX for my car payment. On my XXXX report I don't have no payments information. Also Alley bank reported my balances incorrect. After I paid XXXX. XX/XX/XXXX, my balance was to pay car off was XXXX in XXXX, then XXXX went to XXXX, then in XXXX it stated 1 have XXXX for my car payments which was incorrect. My whole account is in correct. I am asking that they move all of my late payments, unpaid payments, and remove 60 - 90 days late on my account because the information isn't correct. Also I had a XXXX dollar electric warrty on my loan and I told Ally Bank to remove the electric loan and they were supposed to and why that wasn't deducted from my car loan amount. I can provide my bank statements and Ally Bank car loan statements. I believe that Alley Bank redacted the states as well because I never seen any late payments on my report until recently and I need this looked into. The inaccurate information that Ally Bank reported on my credit report prevented me from new car loans. I believe they are just trying to get money out of their clients because if I had late fees why I'm just receiving all these late fees on my account? Now they are saying I have 213 in.late Payments and how is the late Payments still 213 when Ally Bank said some of my late payments are incorrect so if that was true that amount should've decreased but Ally Bank agent said she have to put a request in to have the payment removed. When you call XXXX Bank you can never talk to anyone with authority to help resolve your issues and they gives out inaccurate information. Example : on credit report from XXXX for Ally Bank XX/XX/XXXX balance is XXXX, and XX/XX/XXXX is XXXX which is a XXXX dollar difference what is the XXXX for. XX/XX/XXXX Ally Bank reported my balances is XXXX for XX/XX/XXXX but the state Ally Bank sent me it stated my balance is XXXX I believe but it didn't say my balance my XXXX. I also asked XXXX Bank to not cash the checks I sent them that they claimed may be lost, which I don't believe. I believe they does this to give people late fees because my account isn't correct. On XXXX report it's states my payment is XXXX and this isn't accurate. Look at my prior payment history which is great.
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: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A