Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXX LL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20105
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Ollo credit card / Ally bought out from. I been customer for over 5 years I closed my account do to ridious interest rate that is XXXX percent been trying to lower for 2 years have not been able to offer anything with lowering the rate. I closed the account made agreement XXXX for automatic payments out of my checking account. Payment was made on XXXX XX/XX/XXXX. I received a letter notification on from my bank that insufficient funds of XXXX on XX/XX/XXXX and charge me XXXX funds were unavailable. Friday XX/XX/XXXX I went to my bank institute the following week and investigated that fraud took place. Ollo credit card went into my account directly electronically from their end produced a check took out funds without my permission from my bank. The check was not sent from XXXX federal bank that is my band. This is when I realized my own credit card ollo did fraud activity. I had to freeze my account and open another checking account. My own credit card company did fraud!!!! I contact them the same day on XX/XX/XXXX they actually said the i did automatic payment from my account for XXXX. I told them that is impossible that fraud took place. So now under investigation. I closed the account already made agreement to pay automatically out of my account XXXX monthly XXXX of every month. I want to report them. My trust is gone. Customer service is rude!!! I never received phone call or email since the XXXX. I keep getting mail owing money from ally credit card. that my account is passed do. When I already set up this agreement. I have still not received anything in the mail about my account about the fraud as of today is XX/XX/XXXX. They are a mafia bank they are not legit in anything that is said or done. I feel this fraud was done inside the company. I do not want to do business with them anymore. They need to be audit. They are not about the people. Please look into this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11776
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX account was hacked and charges were made and chsrged to this card vause it wss on file with XXXX. I have tried severall times to get these chsrges removed from my card to no aviale they keep giving me the dispuites departmrnt even though its fraud. I want these charges removed from my account.
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: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I requested a full payoff amount with the lease financing company ( ALLY Financial ), and they gave me the final payoff amount. I paid it and then they tried to charge me more money months later. When I didn't pay the extra charges, they sent the credit bureaus derogatory payment information. My credit score dropped from XXXX to XXXX. They can't give customers a full payoff amount and then charge more at a later date. That's akin to a restaurant telling you you owe more money for dinner a week after you ate... Please rectify this, I need my credit score back to where it should be and ALLY Financial must be punished for their criminal actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ALLY FINANCE, XXXX, XXXX Amount {$14000.00} via phone requested the following ; requested original written documentations that I gave to permit this info on my credit profile I disputed to both XXXX and XXXX 15 U.S. Code 1681 a2 specifing I did not give them permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: My vehicle convertible flew up on the expressway way. Ive had a insurance claim that will pay for the vehicle, but unfortunately I was denied with full coverage. Ally repossessed me while I had extension. The company apologize for the mistake and given my vehicle back. The dealership refused to help repair because I was in XXXX and Ive bought the vehicle in XXXX. I paid my account in full and the insurance claim was denied. Basically paying for vehicle o cant drive... broke down on the way to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Wrong amount on the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I didn't have this vehicle with Ally and they told me it would not be on my credit report when I called and they lied. This is Fraud and Identity Theft and I need something done immediately. I have been fighting with the Bureaus and nothing. Also the bankryptcy does not suppose to report and this is from a 3rd Party. I spoke with my attorney and they stated I can sue!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was approved for a loan in XXXX and initially paid {$3000.00} up front, which was never applied to my account. Since then have been making payments monthly of {$370.00}. I have an overdue balance that is incorrect and I have contacted Ally financial bank to request a payoff amount. I was told to call and since then I have been blacklisted. Agents will not assist me after looking up my account information, if I am able to get someone on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 627XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX I have XXXX new inquiries that I did not authorized and never was shown my report to agree on this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A