Date Received: 2023-07-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY INFORMATION TO COSIGN FOR A CAR LOAN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am writing to ask that my case XXXX ; be re-opened. There was a breach of contract and I want the banks to assist me with this. I would really appreciate your help and if you could look at my evidence. Again there was a breach of contract and I want to see if we can re-open the case. I was never issued ANY provisional credit and I would like for a thorough investigation to be done to see that there is a breach that has taken place on the documentation I have provided. There were four charges in this case. I am actually asking for one charge ( ( {$1300.00} ) to be added to the existing three charges on this case ( {$1400.00} on XXXX, {$3200.00} on XX/XX/XXXX, and {$200.00} on XXXX ). All charges are from XXXX XXXX and the last one on XXXX was from XXXX XXXX. I am asking that the charge of {$1300.00} made on XX/XX/XXXX be added to the three charges already on case XXXX. Again this company ( XXXX XXXX XXXX XXXX XXXX XXXX ) has committed a breach of contract and are willing to move forward with dispute process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial is in clear violation of this section of the law 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX and XXXX XXXX Report on ( XX/XX/2022 ) without providing a copy requested of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines while violating 1681g ( a ) ( 5 ). It has been more than 60 days since Ally Financial has been notified of their violation and they refuse to delete the unauthorized inquire or provide me a copy of my written authorization to pull these reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/2023 I was purchased used car from XXXX XXXX XXXX in state of California and charged additional services and fees. This two businesses work together to rip off customers. XXXX. XXXX XXXX XXXX for amount {$1500.00} XXXXXXXX XXXX XXXX XXXX amount of {$1200.00} XXXX. ALLY WINDSHIELD amount {$1100.00}. and none of it I ask for. And XXXX issue was my credit score was XXXX and I get 9.79 % while promised 7 %. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I entered a XXXX managment program with XXXX XXXX XXXX. They have sent a payment to XXXX and they processed the payment. They are now calling me harassing me about " past due '' amount which should not be. They accepted the check therefore they should have changed the payments and not charged me a late fee. They also should not be calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38133
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already filed a fraud complaint about the unknown credit inquiry from ally financial, which appeared on my credit report. and I did this a while ago and the ally financial yesterday started sending me weird emails just now and I reply back to it stating it is fraud. it is sent from XXXX and also a second email sender shows and it is and states : '' On Wednesday, XX/XX/2023 at XXXX XXXX XXXX, XXXX wrote : Please use this validation code to complete your registration : XXXX Note : This code will expire in 30 minutes. Re : Proofpoint Encryption Registration I have blocked it and it is fraud and unknown and ally financial is acting as a fraud or being used as such and ignores this fraud.whatever it is. and tries to get me to register an account..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: A vehicle accident occurred on XX/XX/2023. My insurance company, XXXX XXXX XXXX, was contacted, a claim was made, and on Friday, XX/XX/XXXX, I was informed that my vehicle would have to go to an auto garage before the claim could be processed. Fast forward, on XX/XX/XXXX or XXXX, while checking my email, I was quite surprised as I happened upon an email from my insurance company in which there was a time sensitive settlement letter dated XX/XX/2023. I had not spoken to the insurance company in recent days and was not expecting this email. This important email could have easily been overlooked or gone into Spam. The letter stated my vehicle had been deemed a total loss and offered two ( 2 ) options, Option 1 : Title Release Settlement and Option 2 : Owner Retain Settlement. The settlement letter stated, " if the forms for the Title Release Settlement are not secured by XX/XX/2023, we will proceed with the Owner Retain Settlement offer. '' However, when I spoke to the claims adjuster on XX/XX/XXXX and told her I was looking at going with Option 1, she stated I would have to give her permission that day to pick up the vehicle as she would have to have it in her physical possession on XX/XX/XXXX. Although the settlement letter stated I had until XX/XX/2023 to make a decision, the claims adjuster said if the vehicle is not in their physical possession on XX/XX/XXXX, I would most likely have to retain the vehicle. I chose Option 1, Title Release Settlement of {$8300.00}. There was a lienholder, and after waiting for weeks to hear that the lienholder was paid, what I received instead was an email from XXXX XXXX that the amount from Option 2, {$3900.00}, was paid to the lienholder and that the vehicle was at XXXX, a storage facility, and would be considered abandoned unless picked up in 10 days. After inquiring with XXXX XXXX, we were told the lienholder did not reply in 10 days when they requested the letter of guarantee, so they sent them the amount from Option 2, {$3900.00}. However, when we contacted the lienholder, Ally Financial, they said they had in fact spoken with the insurance company who had provided them with a XXXX evaluation, but they informed XXXX XXXX that they do not accept XXXX evaluations. Instead, they asked XXXX XXXX XXXX to provide them with a vehicle evaluation from a list of companies they provided, but XXXX XXXX refused to do so. To resolve this matter, I offered to both the insurer and the lienholder to pay for the vehicle evaluation, but both refused the offer. We are caught in between two companies dispute having done absolutely nothing wrong but everything that we were supposed to do by the book. XXXX XXXX says they are not willing to change their vehicle evaluation policy of using XXXX and has refused to provide the lienholder with a vehicle evaluation from one of the companies whose evaluations they accept - XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, etc. Consequently, Ally Financial refused to provide the Letter of Guarantee to the insurer. We have spent countless hours on the phone as well as emailing trying to resolve this matter. Its almost impossible to speak to someone at XXXX XXXX XXXX XXXX in XXXX XXXX, TX headquarters. We have called Ally Financial for more than 2 months and spoken with more than 8 individuals. and they have all said the same thing, We do not accept XXXX evaluations. They undervalue vehicles. Again, we heard the exact words from each person we spoke to for 2 months. I requested to speak to a manager at Ally Financial as well as a copy of their WRITTEN policy that states an insurer must use one of the companies from Ally 's approved list of vehicle evaluations companies as well as written documentation stating they do not accept XXXX evaluations. I never received a call from a manager although I was told one would contact me in XXXX hours. After contacting Ally Financial several more times, including XX/XX/XXXX or XXXX and XX/XX/XXXX and being told once more, We do not accept XXXX evaluations. They undervalue vehicles, I again requested to speak with a manager and a written documentation of their evaluation policy but to no avail. After not hearing from the manager, I called Ally Financial again on XX/XX/XXXX, and was told that they have been discussing XXXX XXXX XXXX for the past few weeks and their XXXX evaluations and that they are looking at them on a case-by-case basis. And now, suddenly and inexplicably, they tell me that they will accept the XXXX evaluation. The representative said they will try to contact XXXX XXXX and send the Letter of Guarantee. In a follow-up call on Monday, XX/XX/XXXX, Ally said they sent the Letter of Guarantee to XXXX XXXX XXXX XX/XX/XXXX and has tried to contact them, but no one is returning their calls. I continue to request a copy of Ally 's written vehicle evaluation policy. I want to know what LEGAL basis they had to withhold the Letter of Guarantee from the insurer. The policy governing the vehicle evaluation is written, legally binding, and is contained within the '' 4 corners of the document. '' My husband and I who paid our monthly insurance premiums and made monthly car payments, are innocent consumers who remain caught between two large companies - an insurer and a lienholder. For 4 months, we have been without a second vehicle, resulting in having to sometimes use XXXX to get back and forth to work as well as rent a vehicle, not to mention the undue hardship from countless hours of phone calls, emails, and the mental, emotional, and financial toll that has been placed on our family. We continue to make monthly payments to Ally Financial which, if they had provided the Letter of Guarantee to the insurance company when requested, would be paid off by now and we would be in a position to get another vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: In Late XXXX, I was overcharged at a XXXX XXXX in XXXX. There appeared to be a dispute for the billed items. I agreed to pay {$300.00}. The XXXX XXXX did not give me a receipt nor have me sign anything. When my statement came on XX/XX/XXXX, I saw they had charged my card {$600.00}. I called them and they would not take my call nor return my call. I reported the fraudulent charge to XXXX card the next day and explained what happened. XXXX then sent me a letter saying I needed to provide an invoice that showed {$300.00} with my signature. I explained that did not exist, and neither did an invoice signed by me for {$600.00}. XXXX then sent me a letter saying they were denying my fraud complaint. They then sent me a nasty letter saying if the amount is not paid, they will report to the credit bureau. The amount I contested was paid as soon i as i saw they were trying to charge me interest before the claim was denied. I am referring to the CFPB because my card was charged a fraudulent amount, the merchant has no proof i agreed to the inflated amount, and XXXX card has called me a liar and threaten to report me to the credit bureaus if i do not pay something i have already paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ally Bank told me they sent me a check for {$3800.00} on XX/XX/XXXX, the second week of XXXX, and are now telling me no checks were ever sent and they are refusing to do a bank transfer. They are stealing my money and this is severe bank fraud https : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 538XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: During Covid my daughter became extremely sick and they had the deferment plan. Then after her release from the hospital payments returned. She did not return to work and her unemployment benefits were messed up and did not receive a check for almost 10 weeks. This is when the fees started. Her and my son-n-law have made every payment but they have been late. They admit that they are late but unfortunately they have no choice. The medical bills are high and just making their bills is hard. They try and make it when they can but the late fees are crippling to them. There is currently almost a whole other " payment '' due just in late fees. They pay {$5.00} extra each payment but they will never get ahead. We have tried to ask the service for either a skipped month so they can pay the late fees or have the late fees removed and they keep telling them they do not qualify. They really need help. The loan is in mine and my son-n-laws name. Any help with them would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A