Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from Ally Financial on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. I never contacted or requested this and it is fraudulent and unknown.
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: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2023, we ( joint ownership of loan ) contacted Ally Financial regarding our auto loan and a financial hardship via their website : www.ally.com. We spoke to an online agent and was told we could apply for an extension to the load to help with the hardship. We filled out the form for the extension and was approved for a 2 month extension. The term was to sign the document and have made a payment of {$400.00} to have it be approved within 10 days from the date of the letter. We signed the document and sent it back. I requested an extra 2 days to pay the amount to align with my paycheck and they stated it was not possible. They said to let the extension letter expire and re-apply for a new extension to have the extra days to make the payment. We started the extension request process again on XX/XX/23 and was approved again with a payment due within 10 days of the signed letter. This time they mailed us the extension approval letter to sign and have sent back by the 10th day of the dated letter. The extension agreement is dated for XX/XX/23. We received the letter on day 8 and according to the extension agreement, we are allowed to fax it directly to them. We signed the letter on XX/XX/23and was able to directly fax it to them on XX/XX/23. We requested confirmation that the extension agreement was delivered and received printed copy for proof of delivery and that it was delivered successfully to them on XX/XX/23 at XXXX CST and delivered by XXXX CST. We made to sure to keep all documentation for our records. We also confirmed on the Ally website that they processed the amount of {$400.00} successfully from my bank account on XX/XX/23 as well with verification as well. On XX/XX/2023, we both started getting harassing calls from Ally Financial that we were past due on our auto loan and that we owed money. We get an automated call and then wait to speak with their customer service department. Once we get on the line with Ally rep 's, we get the same past due and make a payment now transcription from them. When we go into detail on the extension approval with them, they go into our account and tell us there was no extension letter approval or that they did not receive the letter back. We verified the fax was sent correctly and sent in time, however, they refused to find a solution and told us to re-apply again but it would still make it a 30-day late payment on our credit reports. We requested to speak with a supervisor and was just told we can send an email with the proof of documents we have. We went online and sent an email to Ally, along with all of our proof of documentation that everything was done and delivered on time and correctly to correct locations. I even have a screenshot from the representative with Ally through their chat live option and told them I was sending the letter and money now. We also found out our credit did take a drastic hit because of this issue, it has caused us each XXXX points demerit on our credit reports. With no response back yet on the email, on XX/XX/23, I sent another email pleading for someone to contact us to get this resolved. On XX/XX/23, we received an email back from Ally that in order to get this resolved, they needed to contact us via phone within 48 hours. The only phone calls we received ended up being automated customer service calls back taking us back into the whole past balance issue and having to explain everything over again. They continued to tell us a supervisor would call us with 24-48 hours. We then would receive 3-4 calls per day since getting the same responses. On XX/XX/23, I tried to do online chat through Ally 's live chat session convenience. After going over everything again, we were given the exact same details as before. They stated they would put in a note on our account to have a supervisor or manager contact us via phone within 48 hours. No calls from a supervisor have yet come .... I sent another email on XX/XX/23 stating the issues of the phone calls and that we needed to get this resolved as it is hurting our credit reports each. In this email, I stated I would take this up chain of command, including the consumer bureau and possibly getting an attorney for this matter, if we can not get a call or response towards getting a resolution of any kind. Since then, the past few weeks have been the same issue, except, we can no longer get access to our message/email portal within Ally Financial. I have taken videos and screenshots of every time we try to get into our online account. We can access every tab and link within Ally 's website, except, Email/Secure Message tab. We still receive customer service calls 3-4 times each day with no one allowing us to speak with a supervisor on the phone. We are always told that the supervisor is unavailable at that time and will call us back. On XX/XX/23, we are still trying to resolve this issue and now we are getting hung up on any time we ask for a supervisor. We still can not get into our online portal email tab. We feel after all of this and not getting anywhere and our credit hurting, we need to take this higher above us. We have proof everything was done on time and documented every message and chat session and screenshots of our message portal not working for us any longer for weeks. We also have our phone calls documented every time they called us and every time we called them and documented how long our conversations were. We are also finding ourselves an attorney to help us, but this needs to be addressed as we have never encountered such a horrible experience ever like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77357
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Dear Sir/Madam, I am writing to provide an explanation regarding the late payments on my Alley Bank account , which have resulted in a negative impact on my credit report. I believe it is essential that you understand the circumstances surrounding these late payments and the hardship I have faced during the COVID-19 pandemic. Like millions of other hardworking Americans, I have experienced significant financial difficulties due to the unprecedented challenges posed by the pandemic. In an effort to mitigate the impact on my financial well-being, I reached out to Alley Bank XXXX XXXX, XXXX to apply for hardship assistance regarding my XXXX Suburban loan. Unfortunately, despite my sincere efforts to proactively address my financial situation, I was denied assistance by Alley Bank. This decsion has been to their advanmtage as I have been XXXX XXXX late fees to this date, taking advantage of my crisis. Their response was that my account was too new, which prevented me from receiving any form of relief. Consequently, I have been unable to catch up on my payments and have fallen behind since then. Despite my continued payments, I find myself still behind on my credit report, which is causing significant distress. I strongly believe that this situation is unfair and inconsistent with the assistance provided to Americans during the national crisis. Numerous individuals across the country were able to receive financial support to help them navigate these challenging times, yet I was denied any form of assistance from Alley Bank. This has resulted in the accumulation of late payments and subsequent damage to my credit profile. I kindly request Consumer Financial Protection Bureau to consider the unique circumstances surrounding my situation and take them into account when evaluating my invisitigation. This will helop other America being taken advantage of. I have always strived to honor my financial obligations, and the unfortunate circumstances during the pandemic should not be held against me in the long term. I am committed to restoring my auto loan and ensuring that my financial responsibilities are met. I would greatly appreciate your assistance in investigating this matter and making the necessary adjustments to my credit report/loan. Please let me know if any additional information or documentation is required to support my case. I have attached relevant documents, such as my correspondence with Alley Bank, for your reference. Thank you for your time and attention to this matter. I look forward to a prompt resolution and the restoration of my credit standing. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made my payment over the phone and on time however the person I was speaking to input the numbers incorrectly for my account snd it caused the payment to not go through. They never called me or anything, but h realized within my 10 day grace period that it didnt go through and made the payment once again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26508
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Up till XXXX, I had perfect credit history with XXXX years of perfect payments. I prepared to exit as a corporate VP for XXXX and be packaged out of the organization. I lost my job, and in preparation for starting my own company booked several quick trips before planning to launch my company. Unfortunately weeks later on my first trip which was to XXXX XXXX, I fell from a cliff off of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and other significant injuries. Unfortunately, given I had just lost my job I was also without insurance for the first time in my life. After several months of recovery I filed for Consumer Credit Counseling and began liquidating my 401k and savings in order to maintain my perfect payment history. Unfortunately, at the beginning of XXXX as I was launching my company the savings ran out and I began missing payments for the first time. After going through a bankruptcy XXXX XXXX review with XXXX XXXX, XXXX, I began calling my creditors as a last resort in order to avoid bankruptcy. I was surprised to find that many were so amazing and were willing to work with me, so instead of paying what money I had left to a Bankruptcy Attorney to file, I began making payment arrangements in XXXX and XXXX of XXXX to get back on track. This included Ally Auto. Upon speaking to Ally Auto, they explained that their process is that they cant tell you what modification they can offer until you make payments because modifications are decided by a system. This seemed very strange and I explained I had just made my payment arrangement on my Mortgage and could not make the XXXX payments they were demanding before even telling me what they could do for me. After much thought and prayer, I decided to delay my mortgage payment and go ahead and pay the XXXX payments they said would remove the repossession order and qualify me for a modification. Upon making the payments and allowing them to post, I called a few days later to check on the status of canceling the repossession order as promised and to do the modification. Unfortunately, XXXX XXXX at XXXX XXXX, who was the same lady I spoke XXXX not even XXXX weeks earlier as I made XXXX monthly payments XXXX per week, shared the same story that the vehicle is still out for repossession and they could not remove the order or perform a modification until I make another payment. I shared this is not acceptable and I will not make a XXXX full payment within a month when XXXX was already a hardship, in fact XXXX trying to lower it to less than the normal XXXX ( XXXX ) monthly payment. She continued insisting my car is still out for repossession and that due to the delinquency on the account I am not eligble for a modification review at this time. This type of manipulation and outright lying is so damaging to the trust someone has going through their first hardship and expecting that a company will follow through on their promises. Due to these violations of FDCPA, I would like this loan modified immediately with XXXX ) All fees and interest immediately written off XXXX ) Interest rate lowered to 3.9 % and XXXX ) the loan spread back out over XXXX payments. I have in good faith made XXXX payments totaling around {$2500.00} in which I prioritized over my mortgage modification, thus no additional payments should be required. Sincerely, XXXX XXXX XXXX : Ally Auto, Consumer Financial Protection Bureau, FTC for Violations of FDCPA, Attorney General of Florida
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I co-signed for a vehicle for an ex, went to court over the vehicle and judge instructed she had to get it refinanced, under that clause I was also not legally responsible any longer. more time goes by and i get calls from the lender, ( how are you planning on paying this, do you intend to keep the vehicle etc.. ) after explaining to them several times she wrecked the vehicle XXXX XXXX XXXX XXXX XXXX XXXX she's currently in XXXX, there was no insurance report so i'm guessing XXXX XXXX XXXX XXXX XXXX and also wrecked it again, I also have court documentation proving my side of everything and they still charged my credit. I want this fixed ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A