Date Received: 2021-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Ally two times in regards to an auto debt that they have has charged off on my report. I am reporting them for one of several reasons : 1. My last payment date is not correct and I have requested they show proof of my last payment since it is a year older than when my last payment was-My last payment was XX/XX/2015 they have XXXX XXXX They have failed to provide it. 2. I called and try to settle the debt, but they say it's being handled by XXXX XXXX XXXX, which is not on my credit report. XXXX will do a pay to delete, but that will leave Ally still on my report. 3. The auto in question ( had two active accounts with Ally paid one-off in full ) was turned back into the dealership and resold. I have asked for proof of the resale amount and breakdown of fees and have not received requested documents,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have six inquiries from ALLY Financial on my XXXX credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my XXXX report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have an account with this bank and have managed to maintained it pretty well. I have managed to have no nsf 's. Up until recently when they added 2 nsf 's that were not my fault. I was educated that 1 was because I attempted to take out the entire amount in my account and upon me calling them they stated they would have charged me an additional {$10.00}, which caused it to be a nsf. Again that is not my fault as I was not educated there would be a {$10.00} fee for taking out the funds. Then the second time it was so that funds could be pulled from ally to my second account and it was returned as a nsf. These to incidents keeps me from qualifying for the overnight funds transfer. If you are able to investigate into this issue so that I could qualify then that would be great.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I have been an Ally Financial customer since XXXX of XXXX. I am paying over {$33000.00} for a car worth {$10000.00} but have made 30 consecutive payments out of 72, with 42 remaining. Due to the pandemic, I have requested a payment deferment. I received an email dated XX/XX/XXXX from XXXX Executive Customer Services Ally Bank. The email simply stated more information and a resolution to come. I had heard or received nothing else by XX/XX/XXXX, so I called and spoke to XXXX. I was immediately accused of " hiding the car '' which I have never done in all my life. I was told that I could face repossession even if I am only a few days late on payment because I Owe so much. Told that " we all got together and decided that we were not going to help you '' and will now report to all credit agencies although you state this was a mistake. We don't care that there is a pandemic and 'for some reason when we report it drops a credit score by 47 points. I was told I had had too many deferments. And he was sending me a letter that day regarding what would be done. I received the paperwork via mail dated XX/XX/XXXX stating I was " supposed '' to have received but I have never seen it before.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : ALLY FINANCIAL XXXX XXXX XXXX # XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I got sick with XXXX XXXXXXXX and ended up in the hospital and almost XXXX So my XXXX and XXXX car payments were late. I got them caught up as soon as I was out of the hospital and better. I called Ally Financial 3 months ago asking them to please remove the late payment from my credit report. They said theyd put in a request but Ive never heard back and Ive called but nothing. I disputed with XXXX but Ally didnt do anything to help. Other then these 2 payments Ive not been late. I dont think a little compassion in the middle of a world wide pandemic is too much to ask especially since it almost cost me my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have an auto loan with Ally Financial Auto. I was unemployed for six months and fell behind on payments. Despite making partial payments in any amount I could, they have been and continue to harass me, my wife, extended family members, and my employer with hourly calls and voicemails that are overload our phones voicemails. Additionally, despite making partial payments, they recently locked my account preventing me from making direct payments to them and forcing me to use wire transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46123
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX was closed by the state of Minnesota via Governor mandate from the dates of XX/XX/XXXX, reopened at 25 % capacity from XXXX and closed again from XX/XX/XXXX to mid-XX/XX/XXXX. We had almost XXXX income at no fault of our own. As XXXX XXXX XXXX our top priority was keeping our staff paid. My husband called Ally and explained our situation. We were told special considerations would be made for late payments during government mandated shut downs due to the pandemic. We were marked down as late for both XXXX ( preparing for shut down round two ) and XXXX when we were completely closed. Both months we were 1 day late - scrambling to pay all of our bills with no aid available at that time. Again, the small business community gets absolutely abused by those unaffected by this pandemic. Even being told we would receive special consideration on reporting due to the circumstances due to the pandemic but not having that honored. We filed a dispute through XXXX and instead of removing our late payments from XXXX and XXXX they CHANGED them to XXXX and XXXX when we werent closed. How is this legal and how is this possible. Even though we werent closed during those months we were operating at such a reduced capacity I think it is beyond reasonable to not submit negative reports to XXXX XXXX who were subject to significant limitations and closures to their XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX of XXXX I made an auto payment of {$230.00} toward my XX/XX/XXXX balance. An auto statement dated XX/XX/XXXX reflected the payment on XX/XX/XXXX went toward the XX/XX/XXXX balance, leaving a balance for XX/XX/XXXX of {$230.00}. On XX/XX/XXXX a payment was made for {$230.00}. Bringing the XX/XX/XXXX balance to {$0.00}. XX/XX/XXXX Auto Loan statement reflected {$0.00} for XX/XX/XXXX. {$460.00} due on XX/XX/XXXX. On XX/XX/XXXX, a successful payment of {$250.00} Was made toward XXXX balance. On XX/XX/XXXX another successful payment was made for {$250.00}. Bringing XX/XX/XXXX balance to {$0.00}. On XX/XX/XXXX, a payment was made of {$130.00}. On XX/XX/XXXX a payment was made for {$330.00} toward XX/XX/XXXX balance. Ally auto is reporting XX/XX/XXXX payment, 30 days past due and stating XX/XX/XXXX payment was not applied to the current amount due. However their auto statements directly contradict this. This caused me to have a mortgage declined and a closing fall through due to their incorrect reporting costing me thousands and negatively affecting my credit score and chances at obtaining a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27909
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX from Ally financial continuously calls throughout the day without leaving messages. 5-6 times daily to me and my spouse. No written notices or voicemails. Now they have started calling family members outside of what is on our agreement. We were told by XXXX that he found the numbers through public record to include calling XXXX XXXX XXXX XXXX while XXXX.
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: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A