Date Received: 2021-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not know these inquiries that appears on my report. I need to get something done and these inquiries that I do not hinders me for doing so. I researched about on how to deal with them and the best result is seeking help through you guys. All I need to get this them removed. I know this is a violation of credit reporting under FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts appearing on my credit report are fraudulent : XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$890.00}, ALLY FINANCIAL XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XXXX XXXX$670.00}, XXXX XXXX I reached out to the XXXX XXXX, and XXXX credit bureaus several times. The last correspondence was XX/XX/XXXX. I have received no valid response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out a loan for a vehicle that I purchased in 2018 with Ally Financial. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. Ally has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my Ally account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to Ally and XXXX about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My problem is With Ally invest bank ... I have not been able to login to my account there website is down and they never answer the phone. I have tried via email, XXXX XXXX and i have spent countless hours on hold and nobody ever answers the phone. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went into XXXX XXXX in XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX on XX/XX/XXXX. I did not see those fraudulent charges on XXXX or XXXX, but I was able to locate it on XXXX. On my XXXX report, they had said that it was from Ally Financial, for the same amount, but different date being XX/XX/XXXX. I called XXXX and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of Ally Financial, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with Ally Financial or XXXX XXXX. Also, upon looking at my XXXX report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The following companies have unauthorized credit inquiries on my report : Ally Financial inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This bank is giving me a hard time online to Open a checking account with them their system gives me error messages XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I get my payment taken out of my account automatically every month to avoid it being late I have never missed a payment in French 2021 ally bank returned my payment I called them deb 3rd to Ask why and to pay my bill so it didnt report past due or not paid on my credit they assured me my payment pasted and cleared and Eve would be fine I told them I could pay today so that nothing happeneds to my account she once again assured me that it was fine my acc was paid and up to Date I asked her to note in my acc what was going on she said all calls are recorded so if they need to go back and listen to the call they can well 2 weeks later XX/XX/XXXX my car note is reporting not paid! I tried to call and now they are giving me one week to Come up with the money and not going to fix the credit reporting factor! This is wrong and I am very upset that due to a system error on there side my credit will take a hard hit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, sunshine towing. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo XXXX My lender, ALLY Financial, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. According to Ally, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked ALLY Financial for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
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 early XXXX, my husband was in a car accident that totaled a vehicle we were leasing. Our deductible was paid. Our insurance company paid the financing company in full as GAAP protection was in effect. We have documentation that insurance paid Ally Financial in full. Soon after, I suffered a severe credit score drop and investigated. I found that Ally Bank has my account showing as a charge off. This was not a charge off but an insurable event in which the company was paid. I formally initiated a dispute through the credit reporting companies on XX/XX/XXXX after a phone call to the company. On XX/XX/XXXX, I found that they added a remark but did not take off that it was a charge off. I reinitiated the dispute on XX/XX/XXXX ; I received a letter today, dated XX/XX/XXXX that they found no issue and will not be making changes. You can tell on the credit reports that the account was current and we paid all invoices that we received. Somebody in their office clearly is confused on what a charge off is and are refusing to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A