Date Received: 2023-07-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I told XXXX XXXX that I no longer want to do service with them. And they won't tell Ally lending to stop sending me bill. XXXX XXXX damaged my eyes with the XXXX. I don't want to get anymore treatment from XXXX XXXX. I wish Ally Lending would stop billing me and give me my refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX XXXX I called the creditors and spoke with a representative and was told there is no information on file for me. All the creditors listed below also said they were going to send a request to the bureau 's for remove. They asked for my name and email but never heard anything from them. XXXX _________________ XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ALLEY FINANCE 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 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: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking upon my credit score and I seen that this company pulled my report without my permission. I am not for sure how they have gotten a hold of my information and I dont approve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I initiated a XXXX transfer and then cancelled after verification that it was me. Somehow this flagged my account and they wanted to investigate the funds in question to protect the safety of our customers for 1-3 days ( last Friday ). It is now Tuesday and my entire account and ALL of my funds are locked. I have tried calling several times and have been unable to reach someone helpful. I asked how me choosing to leave my funds in my account is not protecting me, their customer, and why I couldve just let the funds transfer through XXXX and it wouldnt have raised an eyebrow- they could not answer this and just kept saying the same blanket statement about protection and could not critically think about how nonsensical this process is. I could have just let the transfer go and have the receiving party XXXX me back all within a couple minutes, but somehow me leaving my funds in my account is suspicious enough to totally lock down my account indefinitely. I am without access to these funds and it has caused a major headache. The last rep I talked to said only the funds involved in the XXXX in question would be locked, but that was a lie. Once/if I finally reach someone and get this unlocked I will be transferring all funds to another bank and closing out my tie to them. Their customer service has been abysmal and just this nature of the situation itself is totally ridiculous- why am I being denied access or receiving a punishment for choosing to leave my funds in my account..? That makes zero sense whatsoever. If I was a scammer, my goal would be to get the funds OUT of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Hello XX/XX/23 I noticed a car loan taken out under my name which appeared on my credit report. Which damaged my XXXX XXXX significantly. I had called the credit card company XXXX on XX/XX/23. They had told me an individual named XXXX XXXX had taken out the loan which I have no idea who that is. The company Ally financial which is the company that the car loan was taken out of. is located in XXXX, Michigan. I have never been there or plan on going there. I am in no position to be taking a XXXX car loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I, XXXX XXXX and natural person, was denied credit by Ally Financial when I applied for auto financing, who is in possession/control of a legal person ( XXXX XXXX XXXX, so I am co-signing/the co-signer for the legal person when Im entering into any consumer credit transaction/consumer transaction.. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my OWN credit. This is a when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605 and 15 U.S.C 1611. You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S.C1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial 15 U.S.C 1602p. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681n and 15 U.S.C 1681o.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Ok so Im having a problem with ollo credit card. On XX/XX/XXXX I called in and told them I was traveling to XXXX XXXX to make sure I wouldnt have any issue with the card when I got there I also did it on the ollo app. I get to XXXX try to use my card and it was denied. I called in and I was told it was flagged because its being used in XXXX I told them I called in before traveling to let them know so I wont have this issue. I was told I would need to fax a copy of my ID and a utility bill and it can only be faxed not emailed. I didnt have access to a fax machine so I was stranded in car rental late at night with my XXXX XXXX girls. When I returned to XXXX I sent in what was requested on XX/XX/XXXX waited the XXXX called in and was told they couldnt see the ID and that I would need to fax another copy. On XX/XX/XXXX I faxed a second copy of the ID waited XXXX called back was told I needed to have access from the phone on file I didnt have it at the time so I had to wait until I had back since its my work phone. I called back a few days later and was told that they did receive what was needed was put on hold they was transferred to fraud department where I spoke to a man named XXXX he told me I would need an account verification letter from the bank I use to make payments and that I would need to fax that at this point Im beyond frustrated so I wasnt exactly nice with him. I go to the bank ask for the verification letter they tell me they dont have anything like that and i explained the situation they said that its weird that Im being asked for something like that and the best they could do is print up a letter showing that I have an active account with XXXX XXXX I take that and I also go to XXXX XXXX XXXX where I have a second account even though its not the account I use to pay ollo with to see if they have a verification letter I was told the same thing that they have that and was give that type of letter showing I have an active account. I faxed both letter to them waited 3 days to call back go through their process transfer after transfer to be told they only received the letter from XXXX XXXX XXXX I complained told them I sent both to please check again and as told yes we have them both but thats not what they asked for and proceeded to tell me to go ask for an authorization letter. I explained what happened at the bank and asked what will be the next step since the bank doesnt do that they didnt have a answer for that question and transferred me to Antwan he said they only received the XXXX XXXX XXXX letter I told him the lady that transferred found both letters in the system to look again then he says thats not what we need that they need a letter from the XXXX XXXX bank from the manager saying that Im the owner of the account and that there was nothing more that can be told to me because its under fraud investigation. I told him they wont do that letter because I asked for something like that when I went to the bank and what else I can provide he said again I cant give anymore information because its under investigation and that I would need that letter. I said ok so since this is going to take a long time how will I be able to make my next payment since the account is locked and according to you Im basically not an authorized user on the XXXX XXXX XXXX that I use to make the payment he say again I cant give any more information because its under investigation and that I need to provide the paper they are requesting. Then I was told that my voice doesnt sound like the voice of the person that called in when this problem originally started and that I would need the bank letter I asked if a notarized letter would work since I have to provide ID to a notary I was told no that it needs to be a letter from my bank. It has been over a week since I returned to XXXX without having any resolution to a problem Ollo created and I believe the man XXXX is giving me a hard time because he didnt like my attitude on the phone. I dont know what else to do to resolve this when I ask to speak to someone higher they say I will get a call back but never do. Im hoping that there is something you can do. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my consumer report and found in accurate reporting regarding account Ally Financial ( ALLYFINCL ) beginning with account # XXXX. According to 15 U.S. Code 1681e whenever a consumer reporting agency it shall follow reasonable procedure 's to assure accuracy of the information concerning the individual about whom the report relates. There are discrepancies across all three reporting agencies as shown on the attached screen shot, so therefore I would like this account removed from my reports. These inaccuracies are affecting my credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A