Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states i have he right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not Furnish an account without my written instructions. 15 USC 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: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a letter stating that my information was compromised back in XXXX with the division of family services. i reached out to credit beauras and i was told that all had been verified. credit inquiries are still showing up and i have put a fraud alert on my credit. they keep running my information through the same companies, seeing that its really hurting my credit..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally Bank has placed repeated holds on my account and says they can not remove them for an XXXX transaction and some debit cards transactions. This has been an issue traveling abroad in XXXX, but has persisted in the United States. I am back in XXXX after returning to the U.S due to this issue and can not pay for housing or food or transportation while this issue remains in effect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80113
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX XXXX I made an electronic payment to my Ollo card in the amount of {$520.00}. This would pay the card off in full. On XX/XX/XXXX Ollo debited my checking account in the amount of {$520.00}. The problem came in on XX/XX/XXXX, when they duplicated that debit leaving me a credit on my account of {$520.00} and my checking account was debited in the amount of {$520.00} XXXX separate times. I made an assumption that this was a mistake and would clear itself up, or that I would have access to the additional money through Ollo. I checked my account with Ollo and it showed that I have a credit on my account of {$520.00}. Here is the issue : On XX/XX/XXXX, I attempted to use the {$520.00} and was declined. I called the customer service department and they told me that it would take XXXX weeks to get the additional payment back, there was no way to expedite the refund or give me access to the money any sooner. I find this to be a deceptive practice since they made no attempt to refund the over payment until I called and complained. I also find this to be unfair since they have my money and are refusing to refund it in a timely manner. They already have had that money for 7 days, they are stating that it will be another 14 days to get it back. Finally this is abusive as had I known that they were not going to give me access to the funds, I would have made a request immediately to have the funds returned to me.
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: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: A few months back, I applied for and was approved for a small Ally credit card. Within a month, Ally updated their software, and from what I have been told by numerous reps on the phone, " screwed up a lot of accounts ''. Mine was one of them. As a result, I am unable to access my online account either through the app or desktop. Ally allowed serious fraud on my account while I am unable to see my account. I reported it initially and the individual on the phone never submitted a fraud report. The second woman I spoke to took the time and completed the first womans job and her own. She was wonderful and I can not thank her enough. Though unfortunately, numerous other calls have had to be made regarding the fact I can not still view my account. I keep being told my case is upgraded to tech support, who has never responded to me and never fixed the problem. It's been months on an account that was allowed to have fraud on it. Ally also kept withdrawing from my bank account, funds to cover the fraud each month. The last call, two nights ago, I was treated like a common criminal. The woman was extremely unhelpful, she was rude, she kept telling me she could not hear me and I should call back ( attempting to get off the phone with me ) and when I asked to speak with a manager, she informed me they were busy and would call me back later that night. No one ever did. I am extremely upset on how I have been treated and allowing fraud on my account while not allowing me to view my account to help rectify the damage that may have been done to my credit and most of all, my character as unjustly defined by credit and financial status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally Invest promised to pay me a {$100.00} incentive if I open an account with them and make 3 or more regularly recurring deposits into my new account. I did exactly that, around the beginning of this year. Even though I met all the qualification, and they confirmed that I have met the qualification, after so many chats and emails where they promised " oh your bonus will come soon don't worry '', I still have not received the {$100.00}. I have used so much time and energy on this over the last 3 months and now it's getting ridiculous. They just keep saying the same thing, keep giving me empty promises.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ALLY FINANCIAL failed to comply with 12 CFR 1026 and is civilly liable to me under 15 USC 1640. Furthermore they have reported incorrect accounting on my consumer report and have not validated with " ledger '' proof of the debt that is said to be owed. This in return has damaged my report. Account : ALLY FINANCIAL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX ALLY Financial paying XXXX monthly I would like my personal information protected 15 USC Code. 2a Consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identifies as information that resulted from an alleged, identityTheft, Not Later than 4 business days after the date receipt. It has been 30 days and they are violation of the law because I am a victim of identityTheft!! PLEASE Delete These item
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint to ALLY FINANCIAL for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A