Date Received: 2021-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To whom it may concern, On XX/XX/XXXX I logged into my XXXX XXXX account when I realized that my credit score significantly decreasing by 11-12 points from Ally Financial where they stated my balance increased. ( See attached screenshots : XXXX Data XX/XX/XXXX XXXX Transunion XXXX XX/XX/XXXX ) At this point I then reached out to Ally Financial at XXXX and spoke to a representative named XXXX XXXX I informed her what was occurring and that I in fact was never late on a payment and there was no cause for them to place this claim with creditors and that this issue needs to be resolved immediately. At which point she responded with dont worry I have forwarded this to the appropriate department and this issue should be resolved by next month ( XX/XX/XXXX ). On XX/XX/XXXX Ally Financial created a letter and direct message on my mobile application ( see attached Ally XX/XX/XXXX XXXX & XX/XX/XXXX Ally Correspondence ). I then contacted Ally Financial once again on XX/XX/XXXX at XXXX and spoke to a representative named XXXX XXXX XXXX looked into my account and state I apologize XXXX provided you the incorrect information it actually takes about 45 business days which is about 2.5 months for everything to be resolved. To please reach back to us in the middle of XXXX and this issue will be resolved. On XX/XX/XXXX I spoke to representative XXXX who then disputed the request be removed and informed me to contact them back in a month and she assured me the credit dispute will be resolved. On XX/XX/XXXX, I spoke to a representative named XXXX at Ally Financial and she informed me that she sent another notice ( Case # XXXX ) and she apologized that this has taken 4 months to resolve, but not to worry this should straighten everything out and by the beginning of XXXX I should see this dispute resolved. She also informed me that in XXXX this credit score drop occurred to multiple peoples accounts and that this is the reason why its taking so long. XXXX See attached documents Ally XX/XX/XXXX Letter, XX/XX/XXXX Ally Correspondence, XX/XX/XXXX Ally Correspondence Part 2 ) I also attached a XX/XX/XXXX Ally credit report, showing that my account is in good standings and that this credit dispute should have never occurred. I has now been over six months and this credit dispute issue has not been resolved. I have tried multiple time to reach out to the company Ally Financial to resolve this issue and nothing is being done. This is absolutely absurd and needs to be resolved immediately! If you all can not help me to resolve this issue, please send me some information to who I need to reach out to in order resolve this credit dispute. Thank you, 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: NV
Zip: 89130
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been attempting to work with Ally to get this issue mitigated and was promised a resolution at end of XXXX but it just keeps getting worse. Ally incorrectly made an extra property tax payment in XXXX ( after missing to pay a payment ) that resulted in a negative balance to my escrow account and my annual interest statement being incorrect. This has also negativity impacted my new escrow statement and increased my payments. I've requested Ally to resolve by applying the incorrect tax payment which was refunded to them by the county to my escrow account. This finally occurred last week. I was told I would be refunded the resulting overage to my escrow account. This has not happened. Nor was this overage reflected on my escrow true up statement for the upcoming year. Instead on Friday I noticed that Ally made 2 property tax payments this week - one was correct and the other was not due until XXXX. Instead of responding to my request for an update they made a reference to my XXXX information. I did not have a mortgage with them in XXXX. I am getting no answers from Ally. They keep mailing me the same information over and over ( literally the same printout repetitively ) and provide no updates.
Company Response:
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX21, my wife and I logged on to our Ally Bank savings account and discovered someone had removed {$93000.00} from our account via an ACH transfer to another outside bank. We had not added this outside account, nor have we ever heard of or had any association with the bank, which is not even in state either of us have ever resided. We immediately called Ally Bank to report the fraud and all they asked us to do is complete a dispute request and said that someone would be in touch. We could not get a confirmation of when someone would contact us or when they would return our funds. They were however able to provide the account holder, account number and routing number for the outside account the money was sent to, which was troubling, because that account was supposedly in my name. Again, we have never even heard of that bank. Furthermore, we have two factor authentication turned on for this account, whereby anyone that logs into the account would have had to enter a code that would get texted to me or my wife in order to log in. Neither of us received such a code, therefore we don't know how the banks two factor authentication functioned properly in this instance, because it certainly didn't protect us. We have not heard anything back from Ally Bank as of the date of this complaint. We are extremely puzzled how someone could log into our account, bypassing two factor authentication, add an outside bank account, and transfer such a large sum of money out of our account without any notices being sent, red flags being raised, calls, emails, texts, etc. from the bank. Any help you can provide would be greatly appreciated. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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 complaint on ALLY AUTO twice they are repeatedly flagging my credit file with already reported information which is basically on record renewing a previously reported event Also I have a voluntary surrender on file and they are reporting me late as a new event I would think this safe to assume they want to ensure that my credit REMAINS tarnished
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: In XX/XX/XXXX, I returned a XXXX XXXX XXXX to XX/XX/XXXX XX/XX/XXXX dealership in XX/XX/XXXX, Vermont. The car was looked over by the sales agent and we were told he did not see any damage or excess wear that he could identify but that an adjuster would look at the car the next day. Approximately six weeks later, we received a bill from Ally Financial for {$3800.00} which included excess mileage and some damage. We were also billed for a promotional tire cover that was given to us after the car was leased by the dealer as a gift. It was clearly a promotional item for the dealership since it had their name in large print on the cover. The bill from Ally included a charge of approximately {$600.00} for damage to this item and some additional items that we immediately disputed with Ally. Ally told us that that they could not adjust the bill and I refused to pay until I spoke to someone that would review the issue. Every month for 3 months an agent would call trying to collect the full payment and I would discuss with them the issues and asked to have the case reviewed. Finally, in XX/XX/XXXX, an agent called me and told me they would settle the amount if I would pay the remaining balance {$3200.00} which I immediately did. On XX/XX/XXXX, I received a letter ( attached ) stating the account was settled and I did not owe anything further. I recently became aware that this issue has two negative effects on our credit reports : First for a " settlement for less than the amount due '' and second for a late payment. This is incorrect since the amount due should have been the amount I paid. I should never have been charged for the gifted promotional wheel cover and the only reason the payment was late was that Ally never tried to discuss the issue with me - they only demanded full payment until XXXX. Please be aware that we have previously leased numerous cars with XXXX XXXX ( this was the last ) and XXXX XXXX in XXXX XXXX and have used Ally, XXXX XXXX, XXXX XXXX, etc. and have never had any issue like this before. Please review this issue. Thank you for your consideration, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I do not have to answer 5 or more question to get access to my accounts at the bank I call at XXXX XXXX XXXX EST on XX/XX/21 and the woman just keeped asking questions, would not tell how many question I have to ask. This is XXXX. When I talk with XXXX her supervisor he said really in not how many question you answer right or wrong it tone and a feeling. I will take all my money when is convient if I have to go through this XXXX to handle my accounts when I call. Pull the tapes and listen to the recording.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Here are the events : 1. I initiated XXXX transfer of my XXXX XXXX from Ally to XXXX on XX/XX/XXXX 2. I received a dividend of {$470.00} on XX/XX/XXXX 3. At some point, this was moved an escrow account and reported in statements XXXX attached ) as being held in " Other account '' while the main account showed a balance of {$0.00} 4. I have tried contacting Ally many times ( XX/XX/XXXX case # XXXX, XX/XX/XXXX case # XXXX, XX/XX/XXXX, XX/XX/XXXX ) and was promised that this will be fixed, but to no avail 5. In my conversation on XX/XX/XXXX ( attached ), the agent said " Unfortunately, there is no eta on this resolution just yet and no case is needed. My supervisor confirmed that your account was already noted as one of the accounts that are effected and management is working to resolve the issue. '' and said he couldn't do anything else. At this point, it has been XXXX months since Ally has been sitting on my funds and refuses to or fails to give me access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company filed an auto loan application without my knowledge or consent. Customer service refuses to remove the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I entered into a 48 month lease with Ally Bank 6 months ago. I am now selling the vehicle to a 3rd party consumer. I am not buying the vehicle myself or trading into a dealership, I am selling it private party. Ally Bank says I am responsible for the sales tax, which is not correct. The person buying the vehicle is responsible for the sales tax. I had this problem with XXXX and had to have the CFPB step in to get it rectified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A