Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is report this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX. Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$12000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX XXXX am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) thaXXXX XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ). I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation! Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau. Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I ordered my credit report and notice unauthorized auto accounts on my report and need to be removed immediately as I have not written consent to/or have knowledge of this account of ally finicial As well as an unauthorized address as fcra states anything thats unlawfully guaranteed needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: On several occasion I have disputed the validity of the alleged debt of {$9400.00} that Ally claims that I owe. On XX/XX/XXXX I terminated the lease early. At the time of the termination the balance was {$13000.00} in remaining base monthly payments. The unearned rent charge of {$4500.00} ( which was calculated incorrectly ) and {$2.00} from other funds received was also deducted from the balance leaving a balance due of {$9400.00}. On XXXX XXXX XXXX I received a notice from Ally saying they sold the vehicle and this was the remaining balance due. I have spoken to several employees including XXXX who is in the executive customer relations department, who stated that when Ally sells the vehicle the proceeds are applied to the balance at the time of the termination and then all other fees are deducted. I have asked on several occasions where the proceeds of {$20000.00} were applied to? I still have not gotten an answer. This leaves me to concluded that the proceeds were not applied to my balance. Ally also denied me the right to have an independent appraiser to appraise the vehicle within a reasonable amount of time after termination. Before I had an opportunity to located an appraiser, Ally sold the vehicle within a week after I turned the vehicle in. Ally refuses to give me any information in regards to the sale of the vehicle besides what the vehicle sold for. This account is also reporting inaccurately on my credit report and Ally refuses to delete the account. I have also requested a 1099-C for tax purposes since Ally claims that the account was charged off on XX/XX/XXXX. This inaccurate information has been furnished to 3 third party debt collectors to solicit payments from me on a debt that can not be substantiated. I am trying to resolve this matter without pursuing legal redress but Ally has been non compliant in trying to remedy their acts of fraud, tax evasion, and numerous violations of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX Re : Ally Financial Acct Ending XXXX Ally Financial is reporting this account on my credit report when clearly it does not below to me, it belongs to XXXX XXXX XXXX. Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX Account XXXX Balance {$16000.00} Credit Bureau Account Status Charge-Off I, XXXX XXXX XXXX , am attaching a copy of the Bill Of Sale that clearly states in the Buyer/Co-Buyer Name and Address ( es ) that XXXX XXXX XXXX XXXX is the ONLY owner of this loan. Also, attached is the Retail Installment Sales Contract that clearly states in the Co-Buyer Name and Address lists N/A and NOT XXXX XXXX XXXX . XXXX XXXX XXXX XXXX is the ONLY name listed on any of the documents proving this loan does not belong to me ( XXXX XXXX XXXX ). I have contacted Ally Financial multiple times to have them remove this from my credit report with all 3 credit reporting bureaus and they have flat out refused to do so. I was also told by them that there was nothing I could do about this situation! Therefore, I am requesting that Ally Financial immediately remove this from all 3 credit reporting bureaus without success. I would like to thank you in advance for your cooperation in this matter and look forward to a positive outcome from the Consumer Financial Protection Bureau. Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I submitted complaint number XXXX on XX/XX/2023 with the Consumer Financial Protection Bureau XXXX On this day, XX/XX/2023, I received a response from financial institution Ally Bank. Their response to my complaint and overall complete lack of support would encourage fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. The response provided by Ally Bank did not address my issues, it provided just a dated summary of actions. Ally Bank did not address my issues in my complaint. I provided detailed information regarding the fraudulent activity and none of it was reflected in their response. I have been a faithful accountholder with Ally Bank for seven consecutive years. I do not agree with their decision to close my account as I was a victim of fraud. I understand and agree with their terms of agreement ; however, I was coerced to send the funds. I did not send them voluntarily. Therefore, my circumstances does not place me within category of their terms of agreement. When I did gather the courage to dispute the transactions, I was not contacted by an investigator as promised. It was important that I communicate with an investigator as there were extensive details explaining the coercion and inhumane treatment which was not reflected on my account/transaction summary whatever. The moment I withdrew my disputes out of fear for my life, Ally Bank made no effort to question my decision. They immediately followed protocol to withdraw the dispute, whereas there was no followed protocol when the disputes were implemented. As a victim of fraud and a loyal accountholder, I was sure that my financial institution would support me, at minimum, by reaching out to me. I received absolutely no support from Ally Bank. By disputing the transactions, it resulted in me losing my account. This encourages fraudsters to continue coercing victims into sending money as there are no repercussions for them, and the victim not only does not receive recovery, they lose their bank account entirely. Additionally, XXXX completed closed my account with no explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from 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: 32725
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 1 5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : ALLY FINANCIAL - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I received a fraudulent text message from an fraudulent phone number impersonating XXXX. I clicked the link and provided my Ally Credit Card information for a redelivery fee. I then realized it was a XXXX SMISHING scam. I called Ally Credit Card to report that my credit card information had been compromised and waited on hold for 25 minutes to talk to a customer service representative / fraud department. Suddenly the hold music ended but the phone call was still active. I said " hello '' " hello '' etc. and no one was on the line. I sent a follow up email to ALLY Credit Card indicating it's ridiculous that I can not reach someone to report that my credit card was compromised. I still need to have this card replaced but am unable to connect with the fraud department to report it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48009
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XX/XX/XXXX, I called Ally Financial and requested a Lease Buyout for my XXXXXXXX XXXX XXXXXXXX that I was leasing through them. On XX/XX/XXXX, Ally sent me an email with a XXXX link for the Lease Buyout letter that showed the buyout price of {$28000.00} and indicated the amount was valid until XX/XX/XXXX. It included lease buyout instructions on where to send the payment along with some other instructions. On XX/XX/XXXX, I obtained a certified check for the {$28000.00} and mailed it as instructed via USPS Priority 2-day mail so it would arrive to Ally by XX/XX/XXXX, which tracking shows it did. On XX/XX/XXXX, I received a letter from Ally stating my account was being referred to XXXX XXXX because I had broken the lease agreement. The letter was dated XX/XX/XXXX, after I had inquired about the lease buyout and stated I was sending them a check. It showed a balance due of {$28.00}, XXXX. I thought I had extended the lease, but failed to follow up and ended up not having payments deducted from my checking account which caused this issue, however, I had already mailed in the lease buyout check. On XX/XX/XXXX, I received an overage check from Ally for {$500.00} that was dated XX/XX/XXXX. This was the difference from the initial lease buyout amount I was given and sent the check in for, and the amount listed on the second letter from XXXX XXXX. On XX/XX/XXXX, I received a letter from Ally that acknowledge my account was satisfied and I was released from any and all obligations. Allys website stated In most cases, once weve finished processing your final payment according to your states requirements, the title or lien release will be mailed within 10 business days. I gave them several weeks to send the lein release paperwork, but never received anything. On XX/XX/XXXX, I called Ally for the first time to check on the status of the lein release paperwork to include the Bill of Sale and Odometer Disclosure Statement. This is where the nightmare really begins with their customer service. I have called numerous times ( 15+ different days ) since XX/XX/XXXX attempting to get this lein release paperwork sent to me. I have spent 10 plus hours speaking to their customer service representatives ( XXXX XXXX, XXXX XXXX, etc ) and waiting on hold ( if not disconnected and having to call back ). At first they would transfer me between departments trying to figure out why it wasnt sent, then told me it needed supervisor approval ( and supervisor was on vacation so had to wait ), before finally being told it would be requested and sent the first time around XX/XX/XXXX. Since being told it would be request and sent XX/XX/XXXX, I still have not received the lein release paperwork. I have continued to call Ally back several more times and consistently get customer service agents who say they dont understand why it wasnt sent and that they will request it again. This has happened 6-7 times at least. I have twice been told it would be sent via XXXX and that I would receive it in a couple days, and never received it. For example, I called on XX/XX/XXXX, and spoke to a customer service agent named XXXX. After some checking with his supervisor, he stated he would request the documents and that they would be sent via XXXX with a Thursday delivery ( XX/XX/XXXX ). I never received a XXXX delivery. I called back on XX/XX/XXXX, and was told they showed no record of it being sent. I was eventually transferred and disconnected. I then called back on XX/XX/XXXX, and spoke to another agent who stated he could see it was requested on XX/XX/XXXX, but I needed to wait 7-10 business days to receive it. He also stated he would submit another request to be safe. Once again, I never received the documents. When I called back on XX/XX/XXXX, the customer service agent said that it had been requested and she wasnt sure why I havent received anything. Her only solution was to request it again. I have confirmed my address with them every single time I have called. They have stated it can only be mailed. I have requested to speak to a supervisor on three separate occasions and was told I would get a call back from a supervisor in 24-48 hrs. The last time was on XX/XX/XXXX. I have never received a call back from any supervisor. As of today, XX/XX/XXXX, I have still not received the lein release paperwork for my lease buyout with Ally. It has been almost 5 months since I sent Ally the lease buyout check, and almost 3 months since I started calling Ally about obtaining the lein release paperwork. I am filing this complaint to get assistance in acquiring the documents from Ally Financial for the XXXX XXXX XXXX I purchased from them through lease buyout. I am in possession of the XXXXXXXX XXXX and have fully paid Ally for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor Ally financial has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2, its also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A