Date Received: 2021-01-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Ally Financial is discriminating against me by denying me credit and an opportunity to open up a checking account online. Ally Financial is also discriminating against me because of my race, me being XXXX American ( XXXX ). Ally Financial is in violation of the 1974 Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB :XX/XX/XXXX, SSN : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
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: I contacted all 3 credit bureaus and asked them to remove this closed account off my reports it has been almost 7 years since they received a payment so it should have fallen off my report.
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial is reporting an account as a DEROGATORY, I contacted Ally Financial on XX/XX/2020, as well as all credit companies to request information regarding this DEROGATORY account. To date, I have not received any information regarding this account and the DEROGATORY status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: It doesn't matter that I entered into an agreement at the time. I was working full time. XXXX XXXX is closed cause of Covid making it impossible to get a job. You need to help your customers. It is not my fault I can not find a job because of the circumstances in XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
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. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. OnXX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized 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, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: XX/XX/XXXX- Made a complaint with CFPB in regards to having complication getting loan cleared. XX/XX/XXXX-Received feedback from Ally through CFPB informing me that our account reflected " Paid in Full ''. XX/XX/XXXX- Checked Ally app, it reflected that all balances were XXXX and that we owe nothing. We were waiting on an official pay off letter for our records, this payoff letter was requested at the initial complaint and at the time CFPB requested our feedback from the complaint. XX/XX/XXXX- Received a notification from Ally that {$70.00} is owed. I have tried to call XXXX the Executive Customer Relations of Ally Bank and have not received a returned call. Based on my experience with Ally it is very complicated to get Ally staff to return phone calls. **This account apparently is still open and possibly reflecting on our credit reports. How is it that Ally informed us from the complain that the account has been paid in full but now are asking for more money? We still do not have an official pay off letter on letter head from Ally showing that our account is paid off and that this account is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This is the SECOND complaint to your office regarding a dirty sale of a vehicle to me from XXXX XXXX. I purchased a used vehicle from XXXX XXXX in XXXX, Arkansas in XX/XX/XXXX. The finance department never disclosed the annual percentage rate or the monthly payment as a tactic of high-pressure sales. I tried to do everything to reverse the transaction but could not. On XX/XX/XXXX, the vehicle was repossessed and Ally Bank tried to garnish my bank account. Ally Bank hired XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to sue me for the remaining balance. The balance was just over {$8000.00} dollars. The case was thrown out of court XX/XX/XXXX. I have been on XXXX since XX/XX/XXXX. My XXXX checks are not enough to get me through the month so I must rely on SNAP benefits. My mother used to help but she died XX/XX/XXXX. This week I received a letter from XXXX XXXX XXXX XXXX XXXX. They were hired by Ally Bank to collect what I could not afford the first time they took me to court. I have attached their letter and a print screen of the court case and the outcome. I am not in good health and was not when I was conned by XXXX XXXX to purchase their vehicle. This bank must acknowledge that I was not and will not ever be able to pay them. Ally Bank needs to get whatever money from the dealership who begged them to finance the loan. I have lost thousands of dollars because of XXXX XXXX and Ally Bank. This needs to cease, as it is getting out of hand. My mental health can not take any more of this harassment. Please see the attached documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Pursuant to 15 USC 1692 Ally Financial is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding they remove this alleged debt from my consumer reports, remit payments to me for violations, and apologize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom it may concern ; I had 4 CDs with ally bank. In XXXX I recived a letter stating that the account would be considered dormant unless I contacted them. On XX/XX/XXXX I called and was told that the account was in good standing. When I got my statement on XX/XX/XXXX it was XXXX balance. They sent my money to the state of nj. XXXX the 2 CDs total about XXXX XXXX dollars. I spoke with XXXX on XX/XX/XXXX and he explained that I have to retrieve the funds myself. On XX/XX/XXXX I spoke with XXXX and he told me that ally was retrieving the funds. They refused to return my phone calls. No return calls to date, 10 days, or emails. Please help. Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A