Date Received: 2020-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { ALLY FINANCIAL } ran an unauthorized credit inquiry on me on XX/XX/2020. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: under cares act this retirement account was allowed to be distributed and closed with no fees or penalties and the full amounts to be sent as soon i sent that in writing and filled out all their forms. depsite 19 emails they never sent any funds. being reported to DA, FTB and SEC for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: under cares act this retirement account was allowed to be distributed and closed with no fees or penalties and the full amounts to be sent as soon i sent that in writing and filled out all their forms. depsite 19 emails they never sent any funds. being reported to DA, FTB and SEC for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On Sunday, XX/XX/XXXX, I had a balance of {$8000.00} in my Ally online savings account ending in XXXX. On XX/XX/XXXX I initiated a transfer of {$5000.00} from my Ally savings account ending in XXXX to my newly opened Ally investment account ending in XXXX. I will attempt to attach a screenshot documenting that I initiated this transfer. Since it was a weekend, I knew the transfer would not appear in my account until Monday XX/XX/XXXX, but I had no reason to believe that Ally, with which I have banked for several years, would remove the money from my checking account and fail to transfer it into my investment account, which is what occurred. On Tuesday XX/XX/XXXX, I checked online to confirm the funds had been transferred from XXXX to XXXX. The screenshots I will attempt to attach showed the funds were subtracted from XXXX on XX/XX/XXXX but were never transferred to XXXX, so I called Ally and spoke with XXXX. She acknowledged my transfer instructions and that the {$5000.00} had been withdrawn from XXXX but never deposited to XXXX. She could account for my missing {$5000.00} but suggested it XXXX have had something to do with my browser. XXXX 's suggestion is untenable for two reasons : 1. I have used the same browser for my Ally transactions consistently over a long period of time without problems ; 2. I called Ally and obtained help with the transfer from an Ally employee, who reminded me that, due to the weekend, the transfer would not show up in my account until Monday. In actuality the transferred funds were deleted from savings that day, but never transferred to the investment account. When I spoke with XXXX yesterday, she gave me a case # ( XXXX ) ; she said the matter would be researched and resolved by today. She said that the funds would be returned to my checking account by today. Yet it is past mid-afternoon, and I have heard nothing from Ally. If I try to contact Ally by phone to check, the wait time is over half an hour, which is especially unacceptable since Ally caused this situation and has wasted hours of my time already in addition to mishandling my funds. It is now Wednesday XX/XX/XXXX, three days after the attempted transfer, and my {$5000.00} remains missing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made my XXXX payment on XXXX. It shows in my payment history and has been withdrawn from my checking account but my account still shows due for the XXXX payment. I called the company on XX/XX/14 and they said it would be fixed within 24 hours. It has not been fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This morning, I saw on my debit card transaction history that a company called XXXX XXXX had used my debit card for {$510.00}. I contacted my bank and notified them that there has been a fraudulent charge and that my debit card is compromised. They said they will issue a new debit card and start a dispute for the fraudulent charge and an investigation will take place and could go on for up to 10 days. I explained that I needed this money to pay for my car payment and other bills and that {$500.00} is a lot of money. And they just apologized and said that this was all that they can do. How is it that I lost {$510.00} from no fault of my own and there isnt a guarantee that I will get my money back?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Summary : I applied for a loan and locked in on an interest rate with Ally Bank on XX/XX/XXXX. When I talked to the representative walking me through the online process he told me they could get the loan done within the 30 day lock period. If there were any delays from Ally then I would get an extension at no cost. The seller was having a new roof installed so when Ally scheduled the Appraisal I asked them how they wanted to handle the appraisal if the roof wasnt going to be put on for 2 weeks. I was instructed that the appraisal was the last thing Ally required and to work with the Appraisal company directly to schedule around the roof. For the next 20 days, I answered every online task in less than 5 hours to keep the process on track. On XX/XX/XXXX I receive an email from Ally telling me I do not have enough funds to close on the new property. If I do not produce the funds in 10 days they will cancel the application. I reviewed the closing disclosure and found 4 mistakes by Ally. I responded immediately and scheduled a follow up call with the underwriting specialist. That day he fixed one of Allys mistakes and told me he was working on the others. On XXXX the appraisal was completed and sent to Ally. By XXXX, I had not heard anything from Ally as to the scheduled closing for XXXX. On the evening of XXXX, I scheduled a call with the Ally agent to determine where we were in the process and what they needed to close before the lock expired on XXXX. The agent called and we were immediately disconnected. She later texted me telling me she was out of the office for the past 5 days and now her company phone line is down. She emailed me saying the same thing I was told on XX/XX/XXXX that I needed more funds to close. I explained to her that the previous agent was working to fix the issues. She understood the problem and said we needed to talk once her phone line was back. The next day on XXXX her phone line was still down. I called the company number and was ultimately patched through to her manager. He reviewed the file and agreed there were multiple mistakes on the closing disclosure. He said he needed to get the XX/XX/XXXXlicensed agent assigned to the loan to fix the issue. He told me not to worry about the rate extension and he would get back with me by the end of the day with answers. As of XX/XX/XXXX I have not heard back from the manager or the XX/XX/XXXX agent he had assigned to fix the issues. On XXXX, I finally connected with the Ally agent assigned to my loan. She told me that I needed to pay off a car loan to meet a certain XXXX. I questioned the XXXX but she was not able to tell me how it was calculated. To this day I still think it is wrong but agreed to pay the loan off. I went to the bank that afternoon on XXXX and paid off the loan. I inquired if the XX/XX/XXXX agent had looked at or fixed the closing disclosure. She replied to me in an email that she was not able to contact him and suggested I try to get in touch with him myself. On XX/XX/XXXX, I reach out to theXX/XX/XXXX agent and copy my loan agent pleading for help. As of XX/XX/XXXX, I still have not heard from him. Later that afternoon on XX/XX/XXXX my agent emails me and says the rate was extended but will cost me {$800.00}. She referenced the appraisal being delayed was the reason they would not cover the extension even though it was the same agent that instructed me to wait. On XX/XX/XXXX Ally requested I upload my Insurance Binding Contract to be paid at closing. I uploaded the document and within 2 hours the document was rejected. They stated I needed to upload a receipt of payment even though the task clearly stated the insurance would be paid at closing. On Monday, XX/XX/XXXX I paid the home insurance policy as directed. I uploaded the receipt and the document was rejected again. Now they are requesting the original document I uploaded on Friday XX/XX/XXXX. At this point the closing disclosure will need to be updated again to show the insurance was already paid with an effective date of XX/XX/XXXX as requested by Ally. I scheduled a call with my agent on XX/XX/XXXX. She informed me that the rate extension was now being covered 100 % and theXX/XX/XXXX agent was trying to fix all the issues by XXXX that night. I then got an email from the agent that night saying to go ahead and sign the disclosure to keep the closing on track and they would work to get the disclosure fixed by the next day. I approved the disclosure on the evening of XX/XX/XXXX. On XX/XX/XXXX the agent hands me over to the closing specialist. She informs him that the closing disclosure is still being fixed but the rate extension is no longer being covered. This gets us to this complaint. It has taken Ally over 20 days to fix 4 mistakes that I called out. These are basic mortgage items that were overlooked and never addressed. I sent detailed explanations and power point slides to call out the mistakes. It wasnt until XX/XX/XXXX that they acknowledged all mistakes I called out were fixed and I now have enough funds to close. Issues called out : 1. they showed buyer paying all of the XXXX property tax $ XXXX when the seller would pay from XXXX thru Closing 2. When I applied I did not agree to escrow taxes or insurance because I was doing 20 % down. 3. They showed the buyer paying all of the Transfer Taxes when inXX/XX/XXXX, XXXX XXXX the seller pays the transfer taxes and it was not called out otherwise in the contract. 4. They did not include the Earnest money as a Buyer Credit 5. They showed I owed Home Insurance when it had already been paid I have emails and screen shots documenting all of these communications or lack thereof. I am now paying home insurance for a home I do not own and they continue to charge me each day while they fix their mistakes. This certainly does not seem ethical possibly illegal.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2020, XXXX/XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. On XXXX XXXX, 2020, XXXX/XXXX add a hard inquiry on my credit report per XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX BANK add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A