Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used my information without my consent and leased a XXXX XXXX that I never knew about or paid on but I reported it and the vehicle was repossessed but its still showing up on my credit report like I havent paid on the vehicle Ive talked and sent all information I know to the company ally financial but its still reporting and showing as a non payment situation on my report after after I and ally financial proved I never owned this car which was a whole state away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70056
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: In XX/XX/XXXX I refinanced my auto loan with Ally to XXXX XXXX XXXX. XXXX XXXX XXXX got a pay off amount from them and my XXXX XXXX over nighted the pay off check to them. I received a letter from Ally in XXXX XXXX stating " thank you for your paying off your loan '' and they released the title to XXXX XXXX XXXX Come XX/XX/XXXX Ally gets in contact with me and states that i have a passed due balance. They have reported to XXXX XXXX at XXXX days late. The balance was paid, the title was released, and i didnt hear from them until months later stating the account still had a balance. I have received threatening letters stating they will repossess the vehicle. They had reported it previously as paid in full and then have not reverted it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Recently with Ollo Credit Card CompanyXXXX XXXX XXXX Then Ollo went to XXXX a few months ago. Then Ollo changed over to Ally. who is now telling me my interest charge is XXXX I called and asked them to lower it and some woman name XXXX who said she was a finance manager told me No.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally bank was supposed to credit {$500.00} bonus cash on or before XX/XX/XXXX to one of my existing accounts after new money was brought in to open an account by XX/XX/XXXX and keep the new money until XX/XX/XXXX. This never happened despite many phone calls questioning when I will receive the {$500.00} bonus cash. Allys response was that there is no time frame when this cash offers will be credited to my account. A case number XXXX has been created.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I contacted Ally Financial on XX/XX/2023 regarding my auto loan payment ( {$340.00} ) for the month of XXXX. I contacted the company through the customer website and engaged with a chat representative. I requested that the XXXX payment of {$340.00} be deferred and moved to the end of my loan. The chat representative initially communicated that I may not be eligible for a long term deferment but I clarified that the payment deferment was only for XXXX ( due to a hardship ) and that I would resume my excellent payment standing immediately when the XXXX payment was due. The chat representative confirmed that the payment deferment was submitted and approved. I requested and had the chat rep reiterate my request and the confirmation of the approval again to ensure that it was documented accordingly. I begin to receive text messages alluding to my XXXX payment being late but when I received a phone cal from Ally on the morning of XX/XX/2023, I contacted the company again via chat to find out what was happening. I was connected to a chat representative by the name of XXXX. I explained the situation and was advised that my request for deferment/extension was submitted for manager 's approval but was rejected. I advised XXXX that the previous chat rep confirmed my deferment approval through the previous chat and that Ally hadn't communicated any rejection to me via phone, chat, email or US mail. XXXX then offered to raise a new extension request for me. I agreed and stated, as I have an excellent payment history with Ally, I can and will continue to make my payments on time but the previous chat representative and Ally 's error was completely unacceptable. XXXX didn't respond any further, in fact he disconnected from our interaction. I called the customer service number XXXX immediately and was on hold for an hour and a half with no assistance. I just kept getting " You call is important to us, please hold for the next available agent ''. No one is answering the customer service/billing lines. I tried to use the " Email '' path to get assistance but it gave an error message that the request can't be completed at this time or to try again later. I have attached the chat conversation from today, XX/XX/2023. I have also included error message from the email ( contact us ) from the website that i received today as well. I have made my payments on time and my credit standing shouldn't be endangered by this complete and utter lack of customer service and business protocols by Ally Financial. This has put me in a unfortunate position that I hope to soon rectify but this incident is completely unacceptable towards me as a protected consumer. I would humbly and greatly appreciate assistance please in resolving this issue, as I can get no methods of resolution from Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
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 returned some items never received my credit. I contact my bank and submit paper work still have not received my credit.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX Ally Auto XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX 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 report 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 ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # 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 XX/XX/XXXX thru XX/XX/XXXX 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. Further more 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. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I think this bank kept stealing from me. I got a California relief grant that just disappeared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A