Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I lost my job a month before a payment was due, I called them and set up a payment plan with them to where I had two months for coronavirus leave because I lost my job over the coronavirus that I didnt have to make my payments till XXXX next thing I know they hit me for two months of late payments I called him up asked him what was going on they didnt make any notes in their computers about the arranged plan that I had with them they said as well it didnt go through so we could try again and do it again so we did that we went ahead and renewed the plan they asked for a payment of XXXX which I gave them and now theyre still expecting a payment for this month which Im going to do but as part of the plan that we had talked about last month and this month I wasnt supposed to make any car payments so something in their system is not getting updated when they do these things with me therefore I cant keep up on top of it not hitting my credit reports and its kind of driving me insane because every month Ive been talking to these people and nothing seems to be written down in notes nobody seems to see what someone else is done or talk to me about and its its very frustrating to work with a company that taking notes in their computer system and making the statements right as well one of the gentleman I talk to said that when I asked him about my credit being impacted by them he said " oh we have nothing to do with impacting late payments on your credit report '', we cant change that we cant do anything to help you and my biggest thing is what do you mean you cant help me fix the late payments or get off my credit report and what do you mean you guys dont impact my credit how does that make any sense I dont know. The late payments should've never been there and they aren't helping me. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My payment with Ally financial is due on the XXXX of every month. Ally financial is reporting a payment as 30 days late on my credit report from the month of XX/XX/XXXX that was paid on the XX/XX/XXXX when the payment was only 8 days late. Ally financial is also reporting my XX/XX/XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XX/XX/XXXX but Ally financial knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XX/XX/XXXX and on XX/XX/XXXX. Ally Financial is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: For my Ally Bank checking account, this XXXX, I called Ally Bank customer service to request cancelling a check in the amount of {$100.00} to the payee XXXX XXXX XXXX XXXX. Over the phone, Ally Bank representative informed me that the {$100.00} check has already been put stopped payment. I thought this check was successfully cancelled. However, today when I looked at my bank transaction history this year, I found that this {$100.00} was cashed out of my checking account, with {$100.00} deducted from my Ally checking. I was extremely surprised with Ally Banks mistake. They were supposed to cancel this check, but they didnt. I request Ally Bank to immediately correct their mistake and recover this {$100.00} back to my checking account immediately.
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: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SOMEONE USED MT INFORMATION TO OPEN A FRAUDULENT ACCOUNT THAT DOES NOT BELONG TO ME. PLEASE REMOVE THIS FRAUDULENMT ACCOUNT FROM MY CREDIT FILE THANKS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally bank closed all my Accounts 1. Checking and 2 savings accounts against my wishes and without my consent. Twice later reopened only to have it happen again Lost approx XXXX usd in the following butterfly effect after. Never Been told the reason. Therize its because I did something i asked and was told was ok and fine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
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: I have filed a dispute in regards to the incorrect items on my credit report. its has been well over 30 days and haven't 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: 196XX
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
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/2020, ALLY FINANCIAL, INC add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX 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: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a new account at Ally Bank. I needed to make a car payment through my old bank. My intent was to send money ( {$300.00} ) to my girlfriend via XXXX and have her send it to my old account. XXXX has always been instant, but after three days, my girlfriend still has not received the payment. I moved cash to my old account and paid that way. Now, I made a XXXXXXXX XXXX in 4 payment with the same checking account for XXXX dollars. One came out at XXXX XXXX on XX/XX/XXXX. It came out again today, XX/XX/XXXX also at XXXXXXXX XXXX. I only have one transaction showing in XXXX but two debits in my checking account for that amount. Ally has not responded to my complaints about either issue. It hasn't been that long but I have {$450.00} that I do not have access to currently because of this. Ally also claims that they do not see a record of *any* transaction from XXXX in this amount. In the attached screenclip, the payment from the XXXX is the one that is in my XXXX history. The one from the XXXX is the one that is unaccounted for. Again, the Ally agents claim there is no record of either in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40475
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2020, I ( XXXX XXXX XXXX attempted to pay a residential handyman for his services for an amount of {$1800.00} via XXXX. The payment did not go through immediately as it usually should. So, I called Ally and tried cancelling the XXXX transaction and instead try XXXX this time. Fortunately, the XXXX transaction went through and the handyman got paid for his services. However, XXXX did not block the previous transaction as requested, and went ahead with the duplicate payment on XX/XX/2020. The recipient, knowing the quandary I was in, informed me that he wasn't able to receive the XXXX transaction as well as he didn't have an account with XXXX at that time. This was the last time I was able to make contact with this handyman. As of today, this {$1800.00} is being held with XXXX due to " compliance reasons ''. Since XXXX, both XXXX and Ally have been playing a game of cat and mouse by not giving a clear response on when this transaction would be reversed. XXXX wants Ally to initiate a claim to reverse this payment, and Ally refuses to do the same. This practice is fraudulent and unethical and I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A