Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In response to Application Number : XXXX CFPB Number : XXXX Letter revised : On XX/XX/2023, I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my driver 's license to identify myself. Document XXXX also states that I am opening an account with no explanation of what kind of account and what that account includes. Remember I was only shown a document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact After spending about five minutes hearing XXXX XXXX XXXX XXXX the numbers around in loan likening. I finally got up and headed home. When I returned home, I saw that there were seven banks on my Experian account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. So, I did make a report to the XXXX XXXX Attorney General of California, and when I received a mailing from The California Office of Attorney General in the return mailing back from The Office of Attorney General California it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows I am applying for credit to such financial institutions on behalf of themselves and the dealer. What does that mean? Are all the bank 's loan companies going along with this? Once again, I was not shown this document labeled XXXX. On attachment B shows XXXX XXXX 's statement to the California Attorney General 's Office that he did not inform me of any extra banks that I was applying for a loan for. I find that what XXXX XXXX did was deceitful in doing one thing : demolishing my credit report with numerous bank loans. bank loans that I did not authorize, may I remind you. I have been denied credit for what I believe is from the inquiries. On document labeled attachment B, it shows that XXXX XXXX 's statement says he was showing me loan likening. I attached a copy of my credit report I t shows that I have a sixteen-year credit history with XXXX accounts that have ever reported me late I also I on car loan I paid off in XXXX and XXXX car loan current and in good standing. I have one open credit card with a {$7000.00} credit limit and a balance of {$110.00}. Does this look like someone who does irresponsible things with their credit reports? I can submit my current XXXX Credit Report to prove it. I can submit a document stating that I sold my XXXX at XXXX the next day. It shows XXXX paid off the car loan I currently had which then left me with {$8200.00}. I have also enclosed a document stating that I purchased a beautiful XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX. I can submit documents showing that I paid the IRS taxes in the last two years. I can submit documents showing that I worked as a humble Door Dash delivery driver for the past two years plus. I can submit all these documents to show I take my business. I also see that XXXX XXXX XXXX XXXX uses a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a soft inquiry to help the consumer as I am to be decided a credit loan offer, I want. That is not what XXXX XXXX XXXX XXXX did. Because on my XXXX Credit Report there is a hard inquiry from XXXX XXXX XXXX and seven other banks on the day of XX/XX/2023. Please check web site yourself www.nccdirect.com
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had a vehicle repossessed in XXXX, it was included in a XXXX XXXX XXXX XXXX which was finalized in XXXX. I have asked, and then told them to quit calling me and now they are calling my ex wife and other family members. XXXX XXXX XXXX, what a bunch of XXXX XXXX XXXX XXXX They bought this debt from someone not knowing it was included in a BK but they won't leave us alone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2023-08-17
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: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: MD
Zip: 21075
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: In accordance with the fair credit reporting act ; This creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a personal account under an open and consumer credit plan as late for any purpose. Ally Financial XX/XX/2023 Reported 30 days late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon returning my vehicle in XXXX of XXXX, my car was inspected and incorrectly labeled as only having returned one set of the keys it came with. This was a charge that was wrongly added to my final invoice which I called to complain about and rectify. Ally called the dealership I dropped the car off at to confirm both keys were returned, which the dealership did confirm both sets of keys were left, but still would not remove the additional fees associated. Additionally, for months on end, I spent countless hours calling and emailing Ally to get invoices that specifically broke down the remaining account charges. The total of the invoices they sent over were not matching up with my final account statement, and the rep that I had been working with at the time ( XXXX ) stopped responding to me entirely. I called and emailed him over and over again and never heard back. Every time I called I was told a XXXX would have to call me back, only to never hear from them again. Two years went by with no word from Ally after I opened a complaint with BBB, and then suddenly at the start of XXXX I began receiving multiple threatening emails and calls about needing to resolve my account statement. I was given the same run around repeatedly and never given any answers or follow up, and then my balance was forwarded to a collections agency, negatively impacting my XXXX XXXX in a very significant way. I have a 100 % on-time payment history and have never run into any issue like this in my entire life or with my credit history, and now my credit has been destroyed from Allys lack of concern or responsiveness to XXXX of their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am writing to lodge a formal dispute regarding an unauthorized tradeline that has appeared on my credit report, associated with Ally Financial. This situation has arisen due to fraudulent inducement, as I never consented to or engaged in any business dealings with Ally Financial. I believe that this unauthorized tradeline not only adversely affects my credit history but also infringes upon my rights under federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The disputed tradeline is detailed as follows : Creditor : Ally Financial Account Number : XXXX Date of Last Activity : never Balance : XXXX I present the following grounds for my dispute : 1. Fraudulent Inducement : I have been victimized by fraudulent inducement, where it is alleged that Ally Financial engaged in deceptive practices to induce me into a financial relationship and establish an account without my knowledge, consent, or authorization. This action contravenes the principles set forth by the FCRA and CFPA, aimed at ensuring accuracy, fairness, and transparency in financial transactions. 2. Violation of FCRA Section s 611 and 623 : Ally Financial 's inclusion of this unauthorized tradeline on my credit report has caused substantial harm to my financial standing and creditworthiness. This is a breach of FCRA Section 611, which mandates accurate reporting, and FCRA Section 623, designed to prevent the dissemination of unauthorized or inaccurate information to credit reporting agencies. 3. Request for Thorough Investigation : I respectfully request a comprehensive and diligent investigation into the circumstances surrounding the inclusion of this unauthorized tradeline attributed to Ally Financial. I have undertaken extensive efforts to scrutinize my financial records and have found no legitimate basis for any business relationship or agreement with Ally Financial.
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: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: I filed a dispute with credit card company. Company denied my dispute. I filed a complaint with this agency. Ally bank responded, see attached letter. Ally credited my card in the amount of {$250.00} on XX/XX/2023. On XX/XX/2023 Ally reapplied the charge back to my account without contacting me or investigating the dispute. Letter states that " if proper evidence is provided in the allotted timeframe the charge may be reapplied to your account '', see attached letter dated XX/XX/2023. Ally did not provide to me any evidence or documentation from the merchant whatsoever. Ally simply reapplied the charge without reason or justification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I keep getting a denial of can't verify identity. However, no one tells me what documents to submit in order to verify my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an online bank account with ALLY BANK. Yesterday ( XX/XX/XXXX ), for some unknown reason, ALLY BANK has locked my account citing only " suspicious activity. '' I've called ALLY BANK 7 times asking why my account was locked and they will not tell me what this alleged " suspicious activity '' is or was. I asked them when my account will be unlocked and they said there is no time limit. I have never had this happen to me before. Can someone please advise me on what to do? This can not possibly be legal. They can not be able to just lock my account for no reason and with no time limit to fix it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: On XX/XX/XXXX, I was attempting to use my Ollo Card at the vet. It kept saying it was declined. I logged onto the app right in the office, and made sure there was plenty of money to cover the total. I tried once, or twice more, it kept saying it was declined for the amount of {$1500.00}. I then used my debit card to pay the vet bill. I went onto the app again, and it said that purchase in the amount of {$1500.00} was pending. I called the company and spoke with a male who said that there might have been a glitch or something of that nature to give it a few days. It should fall off. A few days later, I log back on, and it has moved from pending to posted transaction. I then called the company back to dispute the claim they gave me information about how to send in the information that they needed. I was told it could take up to 90 days to dispute the claim. I never heard from them if they had any trouble viewing the papers or there was a problem. It is XX/XX/XXXX and I just received a letter dated XX/XX/XXXX saying that they found the charge to be valid, and I owed the money for it. I have the vet bill, my bank statement, their letter, and a picture of my account with them with the exact same charge on the exact same time on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65802
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A