Date Received: 2021-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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: In 2016 I got divorced, and my ex-husband was awarded our XXXX XXXX. I have the signed, notarized paper showing he was responsible for it. He quit making payments on this XXXX, and the dealership came to pick it up. It then went on my credit report as a repo even though he was responsible for it after the divorce, not me. I got a letter from a debt collection agency saying I owed for it. Since it was on my credit report and hurting me, I called the debt collector and Ally Financial to try and get it all resolved so it would be removed from my credit report. I was told If I paid the settlement amount, then the whole account would be closed in full, and Ally Financial would do a paid and delete. I have paid the settlement amount, but Ally has not removed it from my credit. After several phone calls speaking with XXXX XXXX and emails with no responses, I am reaching out to you. My credit is XXXX clear except for this problem thats not even my fault or my responsibility, but Ive taken care of it. I just want it deleted off of my credit report as Ally Financial promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: on XX/XX/XXXX, XXXX with Executive Customer Relations at Ally Bank XXXX wrote a statement XXXX attached ) stating she would remove the inaccurate reporting to the credit reports. i am now writing 9 months later as this problem has yet to be resolved. XXXX attached credit report images ) please expedite this request and fix ASAP. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a follow up on complaint # XXXX Ally Bank has returned my funds in the amount of XXXX However they held my money denied having it sending my back and forth to XXXX until my Personal Banker finally was able to gain a tracker number. After a very lengthy phone call and my receipt on my complaint from your office Ally Swiftly returned my Monies. Now they Held my Money from XX/XX/XXXX to XX/XX/XXXX. I opened this account specifically to collect interest. Now they returned my money but I am owed interest from the day I made the deposit until the day my money was returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97222
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, ALLY FINANCIAL Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I booked a trip with XXXX XXXX to XXXX on XX/XX/XXXX, pre COVID. The trip, obviously, was cancelled and temporarilypostponed or credited for a later time. I made 2 payments on XXXX and XXXX for this trip that cost approx. {$2800.00} orXXXX XXXX. Throughout the year, I did not dispute the charges because the initial trip or credit for it was issued back in theform of a credit note with XXXX XXXX. Unfortunately, I did not receive notice about the insolvency of the company, XXXX, until mid XX/XX/XXXX. I did not receive information on steps to take directly to the bank, Ally, until XX/XX/XXXX. I proceeded to immediately file a dispute and attempt a chargeback in order to get my money back. I received a lot of pushback initially from Ally 's representatives and Ally did not attempt to attain any documentation or information regarding my dispute. Only stating that the dispute was already past 60 days of the initial charge and rejecting my dispute with a letter a few weeks later. I tried again on XX/XX/XXXX after the insolvency company XXXX attempted to get information on where I was in the process and to try to attain the original dispute letters from Ally. Again, I was told that there would be no point in putting in disputes because it was past the 60 days of the original charge. No attempts to get documentation from me again. I received the following response from the insolvency company that I'm dealing with in order to try and recover the funds used for a trip that I booked before the COVID pandemic. I have all the documentation outlined in the response below from the insolvency company. Hi XXXX, You made three payments using your Ally Bank card ending XXXX. XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX You should get in touch with Ally and dispute the charges using the Mastercard chargeback code 55 for debit - Merchandise services not received. Please read how to dispute a charge section of this article : Tell them that according to the Fair Credit Billing Act it is your legal right to claim a refund when the service you paid for is not received due to a company 's bankruptcy. You only found out about the bankruptcy on XX/XX/XXXX. Please make sure that you submit the following information to your bank : Official insolvency email from XXXX ( sent to you by XXXX on XX/XX/XXXX ) Original booking receipts ( see attached ) Refund Credit Note ( attached ) T & Cs relevant to your booking ( see attached ) Flowchart provided by XXXX ( see attached ) Email from the XXXX XXXX XXXX : XXXX : XXXX Email from XXXX XXXX on XX/XX/XXXX postponing your trip and offering you a refund credit note ( attached ) Despite what you may be told by your bank clerk, the time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In your case your refund credit note was due to expire on XX/XX/XXXX which is well within the time to claim. Alternatively, they may use the date you found out you would not receive the trip ( XXXX XX/XX/XXXX ). If your bank dont open up your dispute then you go straight to the CFB and give them all the above information : https : //www.consumerfinance.gov/complaint/ I know this feels admin heavy but it has resulted in nearly all XXXX XXXX customers getting a refund. I will be one email away if you have any issues. Warm regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A