Date Received: 2021-01-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I'm filing a complaint against Ally Auto Finance due to both the dealership and the finance company attempting to force a loan contract in my name. I specifically told XXXX XXXX the finance manager at XXXX XXXX XXXX XXXX I do not authorize my credit or loan to be sent to any lender other than XXXX XXXX. I also documented this on the credit form I signed at the dealership authorizing them to run my credit. Upon completing a phone verification on XXXX with XXXX XXXX ( due to having a fraud alert on my credit file ) I inquired why the loan was not approved in both my daughters name with me as the co signer. I was informed by the representative that no loan was submitted in both names, only mine. I was advised by the representative to contact the dealership and have them send over a corrected contract with me as a co signer so they can approve the loan. I immediately reached out to XXXX XXXX and informed him of the situation and asked him to resubmit a corrected contract with me as a co-signer. I also stated to XXXX, if he couldn't get the loan approved through XXXX XXXX I did not want the vehicle. I also received a text message from XXXX on XXXX to contact him because XXXX XXXX isn't funding the loan because I told them the car was for my daughter. After finally being able to get in contact with XXXX on XXXX, XXXX stated that he had worked everything out by pushing the loan through with Ally. I stated to XXXX XXXX did not authorize you to do so and reiterated to XXXX if he couldn't get the loan approved with XXXX XXXX the correct way, I do not want the vehicle at all. XXXX replied he was with a customer and he would call me back. I immediately contacted Ally Auto Finance and notified them of the situation and reiterated to the representative several times I did not authorize this loan in my name and it was fraudulent, and the contract needs to be canceled immediately. I was informed by the Ally representative that he would note the account of this and I need to contact the dealership and have them contact Ally regarding the issue. I then contacted the general manager XXXX at XXXX XXXX XXXX XXXX and informed him of the issue and he assured me that he was going to straighten everything out and get back with me. Since this time, I have left numerous voice messages for XXXX and XXXX, with no response from either of them. I also spoke with Ally Auto Finance on XXXX and XXXX regarding the same issue stated above and Ally refuses to flat cancel the contract even after notifying them that the dealership was given me a hard time and I contacted Ally on XXXX and notified them I did not authorize the loan, and that the vehicle is no longer in my possession, it was returned back to the dealership ( XXXX Of XXXX XXXX. I also spoke with someone from Ally on XXXX and stated I didn't authorize the fraudulent loan that's still under my name, I no longer have possession of the vehicle and that I wouldn't be making any car payment. I also notified Ally that I filed a dealer complaint with the DMV against XXXX XXXX XXXX Florida concerning this loan. Furthermore, I haven't received any paperwork regarding a loan with Ally Auto Finance. I was told by XXXX XXXX that he pushed the loan through with Ally. In return, I called and notified Ally I did not authorize a loan in my name with their company. Thank You,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulent account has been opened up. My identity has been stolen and used fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had a 36 month lease for a XXXX XXXX XXXX XXXX through Ally Bank. At the end of the lease term, they came out and checked out the car for damage, mileage etc. In the end they sent me a bill for {$1900.00}. I agreed with {$850.00} of the charges and disputed the difference. This dispute took several months to resolve but in the end they agreed with me and my back up that was sent to them They were trying to charge me for color paint mismatch. I took my car after an accident to a XXXX authorized auto body to make sure I would not run into this type of issue. It was not my fault if their auto body messed up on paint matching. For the record- your could not tell there was any mismatch but that is besides the point. When they finally agreed with me, they sent me an invoice for the {$850.00} and I paid right when I received it. Since this incident I have been trying to secure credit on a rental property when my broker noticed that my credit score went down more than 100 points. I could not believe it. He advised me that it had to do with Ally Bank. They sent a derogatory report to the credit bureaus calling the reduction of the invoice a charge off. This situation is not due to a charge off. I filed a dispute with Ally Bank on XX/XX/XXXX and the situation has yet to be resolved. My interest rate if I should want to secure this loan now has increased by over 1.5 % which is astronomical. I would like to get this resolved ASAP but after calling over ten times nothing has moved or changed regarding my credit. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I, XXXX XXXX entered a consumer credit card transaction with XXXX and Ally financial on XX/XX/2017. Pursuant 15 USC 6802 XXXX or Ally financial never disclosed to me that I had the option to opt-out of this transaction being reported, this consumer credit transaction included a finance charge Pursuant 15 USC 1605 a finance charge is a sum of all charges in a consumer credit transaction. XXXX and Ally not only took a down payment but they advertised down payment in violation 15 USC 1602. Ally also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This transaction arose from a credit card which is supposed to be excluded from a consumer report. Pursuant 15 USC 1635 right to rescission Ally nor XXXX never disclosed to me that I had a right of rescission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account paid In full only late 2 times in 4 years agency wont remove inaccurate negative items nor update account as paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my Three bureaus it is showing that Ally Financial is closed and charged off for the amount of XXXX. When I have a letter form Ally on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX I made a debit card transfer in the amount of {$5000.00} from my XXXX account to my Ally checking account. XXXX had to review the transfer for fraud, and after it was determined legitimate it was deposited into my Ally checking account. On XXXX I called Ally to see if I could send the money via wire transfer to my local bank. I was told that the request could not be completed over the phone for my safety and that I had to fill out a form and fax it in. A few hours later I called Ally again to see if I could get my ATM withdraw limit raised to $ XXXX. I was told by the Ally representative XXXX that the request could not be completed and would need to be reviewed. However, he informed me that the previous information I received about the wire transfer wasn't entirely accurate and that I could fill out an online form to be submitted right away. I filled out the online form and submitted it scheduled for XXXX. I also went to the local ATM to withdraw {$1000.00} On the morning of XXXX I went to the local ATM again to withdraw {$1000.00}. That afternoon I received a call from a number I did not know, and I was at work so I did not answer. Someone by the name of XXXX ( this may not be the correct spelling ) from Ally 's Fraud Prevention department left me a voicemail that I need to call her right away regarding my account. I was able to take an early lunch and gave Ally a call. After being on hold for 13 minutes I was told that I would be transferred to XXXX because she needed to speak to me urgently. When she got on the phone she was immediately aggressive. XXXX asked me where the money came from, who it was from, and what it was for. I explained to her that it was from a friend and it was already cleared by XXXX. She asked me what the urgency was to withdraw the money and cited requesting the ATM withdraw limit, withdrawing funds from an ATM, and requesting a wire transfer as the reasons for her speciousness. She stated that unless I told her what I intended to use the money for that she was going to lock my account until further notice. When I told her that I have no obligation to tell her what I spend my own money on she hung up the phone. When I tried to login to the account later this evening it was locked. After I got home from work I tried to call Ally bank eight separate times asking each time to speak with a manager. The first lost prevention specialist I spoke with was named XXXX. When I told her that I needed to speak with a manager she said, " That's not how it works '' and refused to help me unless I told her the situation first. When I informed her that I was going to begin recording the call, she too got aggressive and said that she was going to refuse to help me any further unless I stop recording. When I refused she hung up. The next six times I called I was hung up on as soon as I was connected to a representative. On my eighth and final call I was connected with someone that took my information and said he would inform the manager of my situation. He said that he had a manager on the line and that I would be transferred. The phone rang a few times and I was sent to a voicemail. I informed the manager via voicemail of my situation and that if I was not called back I would be forced to file a CFPB complaint. I now have over {$3500.00} in an account that I can not use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I bought a new truck on XX/XX/2020 I told the dealer who I was getting my financing thru and I have several hard inquiries on my report I contacted XXXX XXXX XXXX XXXX and I talked with XXXX and I explained they did not have permission to pull my credit they said the dealer had to remove the inquiry I told him the dealer did not put the inquiry on my credit and he hung up the phone on me
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit reports were run and I never authorized nor provided my social security number to these sources. Someone has my social security without my permission. I only went to XXXX XXXX. Only was run or permitted for that source. Someone has run my credit 4 times after that completely against my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Brought a car XX/XX/2019. When to check my credit yesterday and I have all these inquiries from when I brought my vehicle
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A