Date Received: 2020-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2020, I was involved in a auto accident that totaled my car. My auto insurance company paid Allyauto {$12000.00} and a balance was due of {$1500.00}. I have a GAP insurance policy that pays the remaining balance. XXXX XXXX my GAP insurance company paid {$640.00} on XX/XX/2020. When I spoke with XXXX XXXX they said they will be making another payment and the car dealership will be making a payment to pay the total due to Allyauto. Allyauto continues to report to the Credit Bureau that I have not made payment for this car, when they know that this is a insurance claim and I am not responsible for making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am on the phone daily with this Ally auto. I am unable to get anything resolved due to representatives, supervisors and managers hanging up on me. I have asked for corporate assistance and have received none I've waited days for callbacks and just need a resolution. I made a payment it was applied to interest only to which the manager XXXX at extension XXXX advise me their payment processing center is allowed to apply payments anyway they see fit. I made a payment which was withdrawn from my bank account and offered to show bank statement even provided the confirmation number through the website and my bank to which I was told does their company no good I need to dispute it through my bank. This is all caused a 30 day late hit on my credit and over {$100.00} in late fees. All I want to do is pay this loan off and not deal with this company again. I need the 30 day hit removed from my credit so I can do this. Ally continues to tell me to dispute it through the bureau and if I had any faith in the company I would do it but I don't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX Ally Financial added a derogatory mark on my credit report per XXXX and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found Ally at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, Ally Financial has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally randomly decided to block my access to my savings and money market account. And the associated funds.They claimed I had too many external verified accounts and transfers. ( All under my own name )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am greatly concerned in regards to a matter I have been trying to resolve. My account Ally Financial Account # XXXX is reporting what I feel is inaccurate data. The date of first delinquency is not listed, The payment status showing a collection/charge off. Yet no payment history is listed prior to XX/XX/2020. I have reached out to Ally Financial to which I got a response dated XX/XX/2020 stating that they have received my request for more information yet I have gotten no other communication from Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: my truck was totaled insurance is supposed to be handling this.. told debt collector on XX/XX/XXXX the vehicle was totaled ... ... ... I was told to XXXX out and they would contact my insurance ... .I have repeatedly told them they need to deal with my insurance ... ..they will not respond or take this information ... ... .My insurance has contacted them ... or supposed to ... .I need something done to stop this harassment ... Ally is the debt collector on debt # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67846
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a mortgage with XXXX XXXX, a subsidiary of Ally, that was paid off in XXXX via a refinancing with XXXX XXXX. XXXX XXXX never filed the discharge of the mortgage with the county. XXXX XXXX went bankrupt in XXXX/XXXX and transferred any open loans to XXXX XXXX but since my loan was paid off before the bankruptcy, those documents were sent to Ally. Ally however refuses to give a discharge on the mortgage claiming that their research dept can not find the documents. I cant sell my apartment until this loan is discharged in the county records.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A