Date Received: 2020-12-01
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 XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XX/XX/2019, 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:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ref account number XXXX ALLY Finance. This vehicle was total in XX/XX/XXXX, last payment made was in XX/XX/XXXX. This account is outside of the 7-year threshold. Also note this account was paid, however it shows active payments throughout XXXX, with a charge off in XX/XX/XXXX. This account also shows late payments in XXXX ( 30days late ) XXXX ( 60 days late ) and XXXX ( 90 days late ) in XXXX. Kindly note, each investigation, results in additional inaccuracies. This account continues to adversely affect my credit rating because of the numerous negative inaccurate changes. XXXX continues to publish this report, with zero effective investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ref account number XXXX ALLY Finance. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however ALLY reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however XXXX reports, they can not correct the inaccuracies because ALLY verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/2020. This was the second time ALLY reported late payments in XXXX. Both times affecting the score on my reports. ALLY also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. ALLY reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. On XXXX. XXXX, XXXX, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. 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: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Financial keeps upping my total balance due. In 2019 my total balance due was {$3800.00}. Than in XXXX of this year my total balance on the account was {$4100.00}. Now I went to go make another payment and no wmy balance is back up to {$5000.00}. Ally Financial has no transparency on the online platform to show how my total balance keep rising on a regular basis. I have all records of payments and no answers to why they keep raising my total balance on my car loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. On XX/XX/2020, ALLY FINANCIAL add a hard inquiriy on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 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: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: - I am current on my loan ( got a deferment but paid it back ). - My credit history is XXXX - Yet on XX/XX/XXXX2020 I lost my job due to Covid and therefore am asking the original bank : ALLY to lower rate ; to allow me lower payments ; as every other bank is offering. - Applied with FULL 84 pages of documents on XXXX/XXXX/2020. As of today XXXX 2020 I Still have NO REPLY. - Have called in over 15 times, as " the portal all the representatives tell you to use '' does not work. So I call in and get told we NEED one more piece of documentation - over 15 times. - They refuse to allow you to speak or even email the underwriters. Yet while I was applying for the Original mortgage had one dedicated rep I could communicate with. - On XX/XX/XXXX rep told me YES they had all the documents and I would have word within 30 days. Waited till XX/XX/XXXX and called in again. Again told to go to website. Told them it does not work. He then read to me the Underwriters notes : ' that all the documentation ' was TOO OLD, I would have to start all over again.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a XXXX and financed {$73000.00} in XX/XX/XXXX, I had missed a payment and Ally extended to the end of the loan, again in XX/XX/XXXX, I made the late payment fees and interest payments as they told me, then Covid hit and I like most people took an income hit, I called Ally and they told me just go online and hit button for payment assistance, I did and it gave me like 3-4 month extension and some smaller payments they said I think was late payments or interest which I paid and my payments would go back to XXXX on XX/XX/XXXX. I paid XXXX, XXXX, XXXX, and XXXX now noticed my balance hasn't changed since XX/XX/XXXX at all. I have paid XXXX in payments and not XXXX dollar went to principal and I supposedly already paid all late fees. They said because I got a 4 month extension for covid which rolled payments to end, did not waive them that all of the XXXX went to interest only, I asked well when does my payments start to go to principal again and they tale me they can't tell me till I pay them and it starts going to principal. So far in this loan since XX/XX/XXXX - XX/XX/XXXX, I have Paid {$18000.00} in payments, all payments missed still rolled to end and not waived, but only {$3600.00} of this went to principal I no way see this being legal, agreed too or even ethical, please let me know if this is correct and I can sent contract and payments and dates all payments posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My wife and I were closing on a house on XX/XX/2020 at XXXX XXXX with Ally Home Loans. The day before I still had not received the final closing disclosure. I called Ally Home Loans multiple times and was told that they were " working on the final disclosure '' and that it would be available sometime in the next couple hours. Around XXXX they sent me the final closing disclosure with wiring instructions to wire the remaining money for the down payment. I wired the money to the escrow within 10 minutes of receiving the final disclosure. The day of closing, we did the final walk through of the home and then went over to the land transfer office for closing. The land transfer office then informed me that my wire transfer had not cleared yet or my loan was not funded. I called Ally Bank and asked why hadn't the wire transfer cleared yet. They said that wires are sent in the order they are received and that it would be done by the end of the day. I asked why the final closing disclosure was given to me less than 24 hours in advance if wires took this long to clear. He did not have an answer for me as to why the disclosure was given to me so late. We signed all the papers and still the lender wire and my bank wire had not cleared yet. I spent the next 6 hours calling both Ally Bank and Ally Home Loans trying to figure out the status of my wire and loan funding. Ally Home Loans apparently had messed and not funded the loan property for my closing. When I kept calling them I would get in touch with a general customer service representatives but when I was transfer to my " closing expert '' ( the guy at the lender in charge of closing ) they did not pick up the phone. When I asked to be transferred to any loan officer, I was told that " none were available to speak with me ''. Eventually we did get in contact with our closing expert around XXXX XXXX. He told me he was not sure if the loan would be funded today because the lender had messed up and needed a " XXXX XXXX XXXX XXXX ''. Once that document was signed our closing expert said he was transferring the loan to the funding department and he would call back if and when the loan was funded. Because of the lack of communication from the lender we opted to stay on hold for roughly 2 hours until we received the IMAD number which was provided to use around XXXX XXXX. During that time my wife was on hold, I was calling Ally Bank to see the status of my wire. I was told by one supervisor that she had contacted the wire department and they had placed my wire in the front of the queue and it would clear within the hour. An hour passed and the wire still had not cleared yet. Around XXXX XXXX, roughly 6 hours after we were suppose to close the wire cleared and we were able to officially close on the house.
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A