Date Received: 2023-08-31
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: I brought a newXXXX XXXX and I found out that there was a third party involved in this Loan and my car was repossessed from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX. Suspected fraud on or about XX/XX/XXXX. Began reaching out to the companies who made the charges on my accounts. I was told they either didnt know, could not provide the information, or call banking institution. XXXX. Kept close eye on account. XXXX. Reason for suspicion was I accepted a position on good faith and this firm had my personal and banking information for direct deposit. Only worked here 16 days. On XX/XX/XXXX a partner of the firm was indicted on XXXX, impersonating a public official etc. XXXX. Contacted bank several times to review charges. Due to a security breach I was having difficulty accessing my account. I had to change phone numbers and could not receive authorization code. Advised bank of new number and the reason. Was told that someone would contact me. No call. XXXX. Reported issues to local law enforcement. XXXX. XX/XX/XXXX - card not authorized. Contacted bank and was asked a series of questions because I no longer had the number associated with the account. Asked could I retrieve money and advised account was on hold due to fraudulent activity of which i previously reported. Told that a fraud team would investigate and contact me in 2 or 3 days. Never received a call so I contacted the bank and account was open again. This repeated every other day until about XXXX. On this date I was told that my account was back open again so I asked had my number been changed on the account and it was not. Had talked to fraud team the day before. I always had to call. I never received anything in writing. I requested electronic bank statements and did not receive. Finally told that one might reach me in XXXX weeks. I am still reviewing charges. Due to the fraud I have had to provide my drivers license everywhere. I eventually got an account opened with XXXX XXXX because I have a credit card and XXXX auto loans. It still took days to get it opened. I have late billshaving to XXXX to family and friends that have cards. I still do not have a card. No answers to my questions or I need a subpoena. I really need some help. I have expended an enormous amount of time. I do possess some documents to support my complaint. I only have the last XXXX digits of the XXXX and card ending in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank has left me helpless, again. Despite opening a new account, changing passwords, resetting 2FA, and jumping through every hoop requested, I am locked out of everything involving my Ally bank accounts. I do not have access to my funds, I am not able to review my account or see letters, respond to requests for information, chat, or follow the course of the investigation into a series of events relating to identity theft of my existing bank, and crypto accounts. I can not even attach updates for your agency. I have been targeted in account takeovers, and identity theft. I do not understand how this was done, other than discovering remote access XXXX XXXX XXXX software on my system, and additional malware. The account used to buy crypto was an account with an exchange called XXXX, this account had been in my name and was inactive for a long time. My last authorized use on this account was to the best of my knowledge back in XXXX of XXXX. A series of withdrawals were made from my account with Ally Bank, and used on XXXX to purchase XXXX. The combined totals are {$6300.00} {$410.00} {$780.00} {$170.00} {$450.00} {$11.00} {$220.00} XXXX {$770.00} {$770.00} {$600.00} {$170.00} {$130.00} Ally bank was provided with disputes, spread out over several days as I had to wait for those transactions to clear. I did NOT authorize withdrawal of any sum on XXXX from my Ally account, nor did I link that account. I was astonished to see the account was linked, and I remain baffled as to how this was done. I had linked that account back in XXXX to XXXX XXXX Ally asked me to work with XXXX, and I did this for the past week extensively. Ally opened a new account, and then my second restriction on access to available funds were locked up in a fraud investigation. I'm frustrated, however I understand the need to do this. I was told they could hold my funds for 2 days. Now, a full 6 days past the original restriction, all accounts are both locked up and funds not issued provisionally are also restricted. When I inquired, I was told there is no time restriction on accessing my own money during a fraud prevention investigation. I was asked to be " patient '' while the bank works with XXXX. Ally claims they are waiting to see what credits XXXX will post, I am not seeking double credits on anything. I'm simply trying to recover and get by. Obviously, if XXXX has credited me, Ally should withdraw the provisional credit for that amount. XXXX, on the other hand, closed my account, and is refusing to work with Ally. They will not release any information directly to any person outside of law enforcement. I believe this is to limit their liability. If the hack uncovered a vulnerability or exploit on XXXX end, which in this case I suspect it did, it would be detrimental to their platform for this to be public. That leaves me waiting in limbo indefinitely. I can not be held hostage while these companies refuse to progress further in their investigation. What are my rights?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: All of a sudden I have multiple inquiries that I did not authorize XXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ALLY XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX and XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : Ally Auto Account # XXXX Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to Transactions or experiences between the consumer and the person making the report ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX you reported transactions from Ally account # XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on my account Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Furthermore 15 USC 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX I sent Ally Financial Irs tax forms that i had submitted to the Internal Revenue Service. Per IRS rules I had to sent the copies to Ally Financials ' tax department. After sending the Tax forms, Ally Financial sent me a letter stating that those tax forms can not be used to pay-off the remainder of the loan. I never sent the forms as a form payment, the forms were sent as to be in compliance with the Irs rules, copies were sent to Ally Financial, and copies were sent to the Irs department in the state where Ally headquarters are located in XXXX Michigan. Ally Financial sent me a letter stating that they have placed a restriction on the account and will not accept payments unless they are made in certified funds with a cashier 's check, money order, or payment through XXXX XXXX or XXXX XXXX After you have made XXXX consecutive payments in certified funds, you can call us at the toll-free number XXXX ( XXXX ) to have the restriction removed. I have tried unlocking this account since XX/XX/XXXX, and Ally XXXX Department refuses to unlock the account in order to pay via XXXX portal or via telephone. It has caused hardship for my wife and I, trying to make sure we go to a store that has money gram or XXXX XXXX, this was not part of the original contract nor was this disclosed to me, i have called multiple times to have them unlock the account or take my payment over the phone and they refuse every time, they put me on hold for long periods and give me the run around stating supervisors are unavailable and that those restrictions on account can not be lifted even by supervisors. When i ask to be transferred to anyone that has access to help me, they tell me that unfortunately they don't have a license to help people in california, then i get put on hold and retransferred to another operator and the same situation keeps happening, enough is enough i need an answer from someone within the company that should be held accountable for violating my consumer rights to not be in fear of car repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
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: XXXX XXXX My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXwe purchesed an XXXX XXXX XXXX XXXX XXXXXXXX XXXX using my ally credit card. on XX/XX/2023 and recieved it on XX/XX/2023 for our XXXX XXXX XXXX son. I picked up the package from XXXX XXXX XXXX and brought it home. My son open the box and proceed to set up the XXXX it synced fine but he noticed that it on the app he didn't have special noise cancelation feature ( spatial audio ) and he couldn't lock it at all and he said it felt lighter than the previous one he had. ( it was stolen last year from gym locker so he saved his allowance and purchesed a new one this year. ) I assured it maybe it's a new model so it's more lighter and compact. He still needed help to see if he can lock it and the noise cancelation feature we called XXXX. We spoke to 3 technician who stated it should be able to lock and have that feature he wanted. We would have to send it in and let them take a look but it could take up to 45 days. We said no its better to return it and go into XXXX XXXX and get one. Even though they didn't have the same color but no long wait and we were going on vacation XX/XX/2023 for 3 weeks. So I called XXXX and got the return number and a prepaid label rhe next day XX/XX/2023. We mailed it back via XXXX and I asked for a receipt confirmation with weight. Which I have enclosed on XX/XX/XXXX I recieved an email stating the wrong item was sent back I need to return the right item. I was furious I called immediately spoke to a XXXX representative demanded to know what item was recieved since the email didn't say. He said he was not sure but on the notes he said they recieved an empty box but since it's another merchant that's XXXX they do not have much more information. I told him I was not pleased that he can not help me because I did not buy the item from XXXX it was from XXXX so not contacting anyone else only XXXX. He said the email I received I can directly email them because he can not help me .I emailed them same day XX/XX/XXXX and explained I sent the right item back just as we recieved it only open to set it up but It had to flaws and was malfunctioning. I sent pictures that I took and demanded my money. On XX/XX/XXXX I have got a response saying my email address doesn't match what they have I only have one email I use for XXXX only one account do they can not help me. Over the next 2 weeks I called several times. On XX/XX/XXXX I called and spoke to XXXX who stated XXXX did not recieve the item at all so give it until XX/XX/XXXX. I told her they recieved it from XX/XX/XXXX as the XXXX tracking stated she said dhe would escalate it and someone will contact me in 24 to 48 hours no call or contact from any XXXX employee. The merchant terms were to return within 15 days I return the next day .I have enclosed pictures email proof and tracking information about this situation I have been an XXXX XXXX customer for over 13 years and never had any issues returning anything I have spent thousands of dollars buy electronics phones and TV etc. I just want my money back because I returned thier product so I do not know once the weight was verified and I handed it to XXXX I do not know what happened at the facility or XXXX XXXX or sorting station it could have been stolen at any point but I know the headphones were sent back I do not have them. It was not use to us because the it was malfunctioning and the important features that my son wanted was working. I was so furious I XXXX XXXX XXXX and empty box delivery and I have seen thousand of consumers who has the same issues as me they have end back XXXX products and ended being told XXXX empty or wasn't recieved so I am not the only one it's either XXXX or XXXX problem but some one is stealing and tampering XXXX returns and these companies need to ne held accountable. I can not lose my almost XXXX for something I returned I have tracking and weight and ur telling wrong item and empty box and then oher employee saying they didn't recieve it that's ludicrous. And not fair. My money has been tied up since XX/XX/XXXX and no help from anyone. I emailed the one contact they gave and they saying they can't help because it's wrong email when it's my XXXX email and only one I use. Ally bank has to help and be the middle man to protect consumers I am not the only o e this XXXX XXXX XXXX scam is affecting please help us get our money back. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The wire was sent on XX/XX/XXXX for XXXX , XXXX returned it the same day. We called multiple times on XX/XX/XXXX and no payment had been posted. Today is XX/XX/XXXX and there is no posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Did not take off my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A