Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are XX/XX/2021 2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/2021 2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I opened several accounts with XXXXXXXX XXXX around XX/XX/2022. After 3 weeks or so after using my Ally Bank account to transfer money to my XXXX account totaling XXXX USD my accounts were placed on Restricted Mode pending an Identification Process. I submitted pictures of my State ID as well as my Cell Phone bill due to it being the only utility bill I had, as well as a correspondent between me and the XXXX Office of the Comptroller, to better prove I am who I say I am but I was told that that was unacceptable. I have called the bank several times to retrieve my funds only to be told that they would write it off which would cost me to lose my XXXX that is being held in the account. They claim the only other method would be to call Ally and have them issues a recall. I was told this method on several occasions and even told so in an email correspondence between me and XXXXXXXX XXXX. I would them contact Ally Bank and explain what occured to which they also told me the only option would be a recall. The recall was performed and a total of around XXXX XXXX was recalled against my XXXXXXXX XXXX account. The recall would go through but around the week of XX/XX/2022 the XXXXXXXX XXXX would get charged against my account. I would call Ally Bank and they would attempt to infer that despite me explaining to them what happened and them agreeing that it rally was necessary, even after both Bank parties suggested and recommended it, that the transaction was done in " Good Faith '' and after I would argue that they would attempt to claim it was a different transaction then the recall. On XX/XX/2022, I would login to my account to see the second recall was also charged against my account. I have reported this to the FBI as wire bank fraud due to it seeming as a coordinated scheme to fraudulently charge my account and cause it to get closed. From the unjustifiably XXXX account freeze, to the suggested recalls, and the attempts at committing wire fraud by overcharging me on fraudulently charges. I especially asked if that is what they are doing and they would say no and then turn around and do exactly that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened in my name, my email address, and other private information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2022 XXXX XXXX 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/2XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX Michigan XXXX XXXX XXXX XXXX. And assigned to ALLY FINANCIAL INC . The annual percentage rate was XXXX XXXX, the Finance charge was XXXX, the Amount financed was {$20000.00} the total of payments was {$28000.00}, the total sale price including my down payment of {$1000.00} is {$29000.00}. Instead of the creditor reducing the amount of the down payment, they raised the amount or did not apply the amount at all. Due to the fact of this information being inaccurate I have suffered majorly. I have late payments due to the inability to pay timely due to the practice of the creditor. The late payments affect my creditworthiness to other creditors and I have suffered immensely due to the derogatory information resulting from this transaction. This has affected my mental health also. I have called to try to get the actual numbers for the loan origination but the representatives tell me they can only go back 2 years. I have sent a debt validation letter certified mail and still awaiting a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been sending money orders which are legal tender, to Ally Financial for the last 8 months, ( XX/XX/22 ). Today I received a phone call, stating they are going to Repo my automobile. They are not abiding by their commercial laws on the private side. Ally Financial must abide by the Full Faith and Credit, they are not honoring their agreement with me, XXXX and now they are threatening my livelihood, which is my first amendment right, as well as they are committing fraud on their part and against me, and the United States Treasury. Ally Financial has been provided by XXXX, my claim, on my signature card, and yet, they are completely in disregard to my rights as the creditor and that of the XXXX, XXXX XXXX XXXX XXXX. I would really appreciate your immediate attention, in preventing them from further harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Hello there, on XXXX I purchased a newXXXX XXXX XXXX XXXX from XXXX XXXX Dealer. The XXXX was not what the Dealer told me. This electric XXXX take more time to charge then I was told, and it not giving XXXX XXXX for charge, it doesnt work for service company that is on the road all day. We returned back after 2 days, on XXXX. The dealer refuse to return the money, they told me I have a loan with Ally bank that cant be cancelled. The only option is to take another vehicle. I chose a XXXX XXXXXXXXXXXX XXXX XXXX and they told me it will be with the same Ally bank but from7 % wil change to 9 % and is what the bank decide not us. After one month I want to pay the loan. Ally bank doesnt have any information about the XXXX XXXX, they have my first loan for XXXX XXXX. Ally bank sent me a letter that the XXXX XXXX XXXX financing was never approved. Ally want me to pay for The XXXX that I dont have. Ally told me to call the Dealer and inform them about this situation, they never responded to me or called back. I sent another email to the Dealer, I am still waiting. I have the XXXX XXXX XXXX that never was sold to me. Please help me with this problem, I really dont know what is the next step. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A