Date Received: 2021-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my XXXX credit report for the year like I always do annually and I noticed XXXX hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have mailed multiple letters with different supporting documents requesting the removal of an inaccurate account from the Credit Bureau. However, I have received the same results every time, " verified as accurate, and frivolous. '' I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked for Validation of Debt on XX/XX/XXXX, but I did not receive a response back from the Credit Bureau. On XX/XX/XXXX, I sent a letter again asking for Validation of Debt and Proof of documents used in the investigation, but instead the Credit Bureau sent me a letter dated XX/XX/XXXX, stating ... contact the Original Creditor. Unbeknownst to the Credit Bureau, I already sent a Request for Validation letter to the Original Creditor the same day XXXX sent them a letter on XX/XX/XXXX. But I did not receive a response back from the Original Creditor within 30 days. However, I did receive a letter later, postmarked XX/XX/XXXX from the Original Creditor that included contradicting and inaccurate information regarding the disputed account. I also received a letter from a Debt Collector on XX/XX/XXXX regarding the Original Creditor, but with an Account Balance of {$820.00}, which is inaccurate. First, In the documents sent by the Original Creditor, the document ( Payment History ) did not match the Payment History on my Credit Report. Secondly, I made two payments on XX/XX/XXXX ( {$180.00} and {$25.00} ), but these payments were not reflected on the document ( Payment History ) the Original Creditor sent me. The Balance remained the same at {$12000.00}, but on my Credit Report it reflected a different Balance of {$12000.00} during XX/XX/XXXX. Thirdly, on the document ( Payment History ) the Balance remained the same at {$12000.00} on XX/XX/XXXX, even with two payments made. On the document ( Additional Information ) dated, XX/XX/XXXX, the Balance was a different amount of {$13000.00}. But, on my Credit Report the Account Balance was a different amount as well, {$13000.00}, during XX/XX/XXXX. Lastly, the document ( Surplus and Deficiency ) dated 08/09/2017, reflected a balance of {$12000.00}, which does not make any sense because the balance decreased without any explanation. None of these documents reflected the same balance at any point in time. It is evident that there are errors not only in the Original Creditors system, but my Credit Report also did not reflect accurate information. On XX/XX/XXXX, I attempted to contact the Credit Bureau asking them again to provide valid proof that the account was indeed accurate and what documents they used to complete their investigation. I received a letter back from the Credit Bureau on XX/XX/XXXX, but with an updated Balance with even more errors. Before the dispute, the Account Balance was {$4600.00} and after the dispute the Account Balance was {$370.00}. However, the Recent Balance remained the same at {$750.00} as of XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent a letter to the Credit Bureau asking them to delete the account if it can not be properly validated as accurate. I received a letter back from the Credit Bureau on XX/XX/XXXX, stating if I do not have any additional relevant information, the dispute is considered frivolous. On XX/XX/XXXX, I sent a letter with additional relevant information to the Credit Bureau including the contradicting documentation I received from the Original Creditor, postmarked XX/XX/XXXX. I also sent the Credit Reports that had errors in them that I received from them. I explained that the Payment History in my Credit Report and in the documentation sent from the Original Creditor did not match. I also explained that the two payments did not reflect a change in the Total Balance in the Original Creditors documentation : ( Payment History ). I further explained that I believe the Original Creditor misrepresented the amount owed and overcharged me the same fees, twice. On the ( Additional Information ) document, I was charged {$400.00} for Repossession and on the ( Surplus or Deficiency ) document I was charged {$790.00} for Repossession. I received a response from the Credit Bureau on XX/XX/XXXX, that the account was updated as accurate, and it remained on my Credit Report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am struggling to make payments on my vehicle since loosing my job because of the pandemic. Ive been reaching out to the company, Ally. They arent willing to continue helping. They expressed if I make 2 consecutive payments I would qualify. Ive exhausted borrowing money ( that is impossible to repay ) from family. Its depressing and embarrassing to be in this position. Many ways people are being helped during this time, owning and repaying vehicle isnt one thats has been addressed for help.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2019 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ally Financial not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Company Response:
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Did Not authorize companies for inquiry and do not recognize companies ALLY FINANCIAL Auto Financing Companies Inquiry date : XX/XX/2020 2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made a payment of {$300.00} on XXXX XXXX through the Allly Auto App. The goal of this payment was to decrease my principal amount. Instead the amount was applied to the monthly payment amount {$650.00} due on XXXX XXXX. I called customer service to inquire as to why my payment was not applied to my principal and was informed the app does not give you the option of making additional payments toward principal only unless it is more than the amount of the payment due. I have my regular payments set to auto pay and believe that this practice is unfair to those who do not have than the monthly payment amount available to make toward an auto account. The customer service manager informed me that in order to have a payment applied to the principal of my account balance that is less than the monthly payment. I would have to call the customer service center. It is a great inconvenience to have to call to make an additional payment because Ally does not consider a small payment toward my debt worth calculating through the Ally App.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to my credit report it has been well over 30 days and I haven't received any investigation results
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: well its a little over a year ive been having this problem..i make my payments monthly and havent missed any..company says im behind like on 3 payments, interest keeps going higher, have late fees..i always tell them that im making my payments and have prove..they say that i only have paid like XXXX for principal..when i have paid over XXXX already..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally bank offered a up to ten day deferred payment plan two months after I took the loan some 63 months ago. I accepted their deferred payment every month from the XXXX of the month to the XXXX of each month. They automatically draw out the payment on the XXXX. To date there has never been a missed payment on this 75 month loan. Now every month the state on the XXXX of the month Im past due. Im not when they auto draft my payment on the XXXX. If this was the case why offer a ten day deferred payment. I have contacted them on numerous occasions throughout this loan to tell them to stop stating Im late when they set up this program. Today I argued with three different people. The payment will come out tonight as it always has done for the last 63 payments. I am tired of hearing Im in default when I am not. The second person spoken to stated that there is no delinquent payments in my history. None! This is what I get for paying on time every month and adhering to their offer and contract. The original date was the XXXX of each month then why dont they auto draft it on that date. I want an apology and a credit score increase. The argument is easy on my part they breeched the contract. Not me. In fact I will on request supply all bank records at your request of XXXX XXXX payments and emails from ALLY saying two days after payment has been made thanking me for my on time payment. Enough is enough! Thank you for your time. 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: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have attempted to receive the tax documents needed in order to file taxes for a trust I manage. I have contacted the institution and was advised they would be emailed, only to be called by a different department that they dont have access. I have been denied online access to the documents and have been given misinformation and the run around denying me access to the required documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A