Date Received: 2022-05-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I wrote to Ally Financial in regards to an alledged charge off debt observed on my credit report and I got a response from XXXX XXXX XXXX XXXX XXXX with an invoice with incorrect and confusing information. High balance of {$9500.00} and a monthly payment of {$19000.00}. how can the monthly payment be higher than the high balance. they have the date last paid as XX/XX/16, charged off the account on XX/XX/16 yet they said i was 90 days late. how did they get 90 days between XX/XX/16 and XX/XX/16. they record the number of payment remaining as 1 while their term according to the invoice is XXXX months and according to their invoice a few months payment was made on the account. There is a confusing payment history that i cant understand or explain but i will upload the document so it can be viewed. they provided all three credit bureau with different information therefore the account has been re aged on two of the bureaus which is a violation of my rights as everything on the credit report should be 100 % accurate. all these errors have been hurting my scores for years aslo hurting my ability to get a loan or move forward with my life. this account is outside the statue of limitation. 15 U.S. Code 1692b section 5 states collection agencies can not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt ; ( XXXX XXXX XXXX XXXX XXXX ) violated my rights in this regards. both XXXX and Ally have violated me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately 2-3 months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Ally Financial Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX, 2022, I submitted a dispute through XXXX XXXX and XXXX for an Ally Financial account on my account that is too old to be on my report. On XXXX XXXX, 2022, when the investigation was concluded Ally Financial updated my credit file as if a payment was recently made for {$1.00} to manipulate the system in negatively impacting my credit. This caused my credit rate to decline by XXXX points. This is an unfair and inaccurate way the creditor is attempting to burden my credit report unscrupulously and violates my rights under the FCRA. I am requesting this account be removed in totality please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have repeatedly been unable to access my online bank account via both app and web browser.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98405
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally financial in regards to account number XXXX. Gave a response to a complaint ( CFPB Number : XXXX ). The issue with the response is it does not address the issue it simply deflects it. The agreement worked out was payment would be made on the account in exchange for the trade line to be removed in full. Theyre recorded phone conversations where the promise was made. Payment was made per Allys terms and copies of the check emailed with tracking and the check itself being certified and overnighted to Ally. A month has now passed and they come back stating that the tradeline will stay and should remain on my credit for the co signed account. It appears they scammed me out of the payment and didnt keep up their end of the agreement. I demand that CFPB help me with having the trade line removed. My next step will be to file suit in my local court for the fraud ally committed were not honoring the agreement they worked out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had my car loan with XXXX XXXX for 72 months, but after my payment number XXXX, the pandemic hit and I asked for a extension of 4 months and they agreed, so I started paying again the number XXXX in XXXX XX/XX/2020, at the end of my payment number XXXX, they told me that I had to pay 4 more months, and i said how since i already paid 72 months! so they started trying to collect and I paid the extra 4 months because I didn't want problems with the collecting agencies and my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial is reporting an erroneous 30 day late on my credit. I was NOT late for the month of XXXX and this error should have been corrected already as I was assured it would be by an Ally representative on XX/XX/XXXX. I have been making timely online payments via the ALLY website since the loan initiation date of XXXX of XXXX. My banking information ( account and routing numbers ) were saved on the Ally website and the payments were made each month accordingly. On XXXX XXXX I made a payment which was due XX/XX/XXXX in the same way as I had been doing for the last 12 months. On XX/XX/XXXX I was notified that payment was rejected and the reason provided was Your payment was returned because the name on the payment account you selected did not match the name on the account at the financial institution. I reached out to Ally and was informed that I should attempt to make another payment and I did so on XX/XX/XXXX. I didn't receive any further emails and assumed the payment went through without an issue. In mid XXXX, I received a notification from XXXX that I was marked 30 days late by Ally. At that point I reached out to Ally, and was advised by an Ally representative that the XX/XX/XXXX payment didn't go through due to a glitch in the Ally payment processing system ( please listen to all calls as I made several in XXXX of XXXX ). I WAS TOLD THAT MY PAYMENT DIDN'T ACTUALLY GO THROUGH AND THAT I NEED TO DELETE MY BANKING INFO FROM THE ALLY WEBSITE AND TO RE ENTER IT MANUALLY. I did as I was instructed and made another payment at that time. I was also informed by an Ally rep that any late reporting will be corrected since the issue was NOT WITH MY bank, but with the way ALLY was capturing online payments. There was a glitch in the ALLY system which prevented me from being able to make a payment with the same banking info that I had been using for all prior payments. I had to delete and reenter the banking info in order for it to work! Please correct the negative reporting for the month of XXXX as I was not late on my own accord, but rather due to a glitch with Allys payment processing system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I made all the payments but is still on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several credit inquires on my credit file that I do not recognize. I sent letters and emails to all the creditors listed below to have these inquires removed from my account. I have also disputed them through XXXX. These creditors have refused to work with me to resolve this issue and XXXX has not been able to help as well. I did not authorize or give permission for this creditors to pull my credit. - Ally Financial ( XX/XX/2021 ) - Ally Financial ( XX/XX/2021 ) - XXXX XXXX XXXX ( XX/XX/2021 ) - XXXX XXXX ( XX/XX/2021 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A