Date Received: 2021-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21221
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {$500.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and " on hold ''. Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX XXXX by claiming to have " information that indicates the check may not be paid. '' Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {$1000.00} XXXX. Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly. This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The first phone call occurred on or about XXXX, 2021. I did not recognize the number calling and let it leave a message which was a prerecorded message from a lady named XXXX (? ). The recording was not clear. I called the company after looking it up online. The company is Ally Financial. They wanted my social security number and I refused to give it to them because I did not have business with them. They were looking for a XXXX or XXXX XXXX. My husband 's name is XXXX XXXX XXXX and we are not related to this other person. I told them the number they were calling and they said they could not find it in their records. I asked that they not call me any further and they said that I would not be called. I received a call daily over the next five days and each time I went through the same conversation. The last time on XX/XX/2021 I told the person on the phone that I would file a complaint if I got another call from them. They assured me I would not be called. Today at about XXXX XXXX I received another phone call. I want these to stop but they wont stop calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77802
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {$30000.00} under the guise that it was necessary. I am in possession of a " Retail Installment Sale Contract '' This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37388
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a victim of identity theft. I have reported this event to the federal trade commission. I have never signed for a car loan, promissory note, or any type of instrument nor have I received anything of value or value said owed. I have suffered irreparable harm from these fraudulent actions. FTC report number XXXX
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Reviewed my credit report notice that my Ally loan says its closed and delinquent and I have a letter stating that its been closed. I called them they had me on hold and transferred over an hour. I called back they said the have limited access to my acct because its closed. My loan was under my grandmother and myself. On my XXXX it states closed and current and on XXXX and XXXX closed and delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer. Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX. However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly. Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history. Ally Financial is also unfairly sending a negative report to credit bureaus. I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan. Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto 's predatory business practices, discrimination and bias. I'm being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic. Thank You for your help! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: 2 payments of {$300.00} were taken out of my account on XX/XX/XXXX. I only authorized 1 payment of {$300.00} for my XXXX car payment with Ally. I called and was told it was a mistake and I would be refunded one of the payments and the other would be applied to my account. After 45 days, I received a notice that my account was past due. Each time I call, I am told that is because I was refunded for my XXXX payment so that my account was no longer in good standing since I missed a payment. I have to explain each time I call my situation and that I was double charged. Each time I call, I am told I missed a different payment ( sometimes I am told XXXX and other times the representative guesses a different month ). Finally, I faxed and emailed my bank statements on XX/XX/XXXX to show the double payment and then only 1 refund. I called and was told they were never received and that I sent them to wrong fax number. That happened multiple times. Finally, it was confirmed that my fax was received on XX/XX/XXXX and that it would take 24-48 hours to review. I called after 48 hours and was told it typically takes 3-4 business days and someone will contact me. No one ever called me. I called in again and was told it was being worked on and to call back in 2 days. I did this multiple times. I finally spoke to a woman that let me know that my extra payment was probably applied to my principal and it would need transferred to my balance due and she transferred me to another person. This never happened. Today, on XX/XX/XXXX, I called in to ask for an update and no one had heard of my case. I had to re explain what happened and the representative told me he filed a claim to investigate. This is now 16 business days after Ally has received my bank statements by fax. I can not keep explaining my situation, as this company is not diligently working on getting this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial checked my XXXX XXXX more than once. They recorded XXXX hard inquiries when they shouldnt have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A