Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my Ally Finance ( my auto loan ) i have 2 recent late payments on my credit report, on XXXX on XXXX I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX trying to trade in my car for another Car, I was able to trade in my current car ( ally auto loan ) and get a new car, during the time the Dealership wasnt able to approve me for the new Car loan and they took Over 2 months trying to get the deal closed and never happened they even renew me the paper plate and still werent unable to get my deal approved and closed. So they end up giving me back my car and I gave them their car back, obviously when I got my car back it got me behind on 2 payments since I did not had my car and the dealership had it and they were supposed to take care of the car and payoff so I could get the other deal closed. So basically that late payments that reflects on my Current Auto loan with Ally finance is not and was never intentionally to be late. I spoke to the dealership and asked them to fix this on my credit because is hurting me score very bad and said they had nothing to do with it and did not took responsibility of their irresponsible act they had of 2 moths. On XX/XX/XXXX I have another late payment on my current auto loan, I went to a dealership called XXXX XXXX XXXX XXXX located in XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX. I went to this dealership trying to trade in my car since I really needed a Family car, I was able to trade in my car and get a new Car, during this time the finance department were trying to get my loan approved mean while my payment of the car I trade in was due, when I spoke to them and asked based on my previous experience they told me we are going to pay your trade in car you dont have to worry you are going to be approved for the new auto loan so I stayed with the new car and they kept my trade in car. This situation happened as my previous experience with the other dealership, they never paid my trade in car and I was not approved for the new car. I again had to give them their car and take my car back obviously again with a late payment past due and new payment due. This situation affected my credit score bad that I lost 46 point because they kept on running my credit trying to get a bank to approved me and not only that, now those late payments are reflected on my credit and its hurting my situation at this moment. The dealers need to be more conscience Of due to wanting to sell cars so bad, they have no idea how much it hurts peoples credits when they do this type of actions. Ive been trying to fix my credit so bad, I been working on my credits spending money to work on my credit and out of nowhere the dealers dont care and they ran your credit with lots of bank, hurting peoples credits of up to 40 points not really carrying about peoples struggles. I have spoken to the dealers so they can resolve my problems and they just dont want to take responsibility of their actions. I really need help trying to get this 2 last late payments removed from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have checking, saving and investment accounts with XXXX XXXX. I have submitted request to online fund transfer. Their system is keep rejecting my request. When I called them, their staff is not in a positing to find out reason behind that. They keep saying that their system is slow. Then they provided me excuse that you have submitted request to change my name. This is also not true. Their system picked up wrong initials of mine and I asked them to change it immediately after opening an account about 6 months back. While talking to Customer representative named XXXX, he refused to share any kind of Unique ID or ready to provide me Supervisors name. This was height of shamelessness. I feel being kept as hostage as I have to be on the phone with them for prolonged duration and do not get resolution of the same. DOES CFPB restricting banks to share information of representatives so consumers can have traceability? This is a classic example of uncontrollable Financial Giants. Appreciate your help and quick actions are requested to be taken against bank and their system.
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: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 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: 02301
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company ran my credit and I dont even know who they are, they put an inquiry on my credit report, what services do they offer, I would like to know who they are and why? If not I would like for them to fix this issue by deleting this inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
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: We have a loan for our car with Ally Auto Loan. We recently moved to Florida and in order to get the tags the county needs proof of title from the bank. We got the information so the county could request the title but the county is hearing nothing back from Ally. If they do not hear back our car will not be able to be driven and this car is needed for our jobs. We have tried calling ALLY and emailing and every route but they will not return our calls. They wont help. We pay our loan payments on time every time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Auto Finance has billed me for {$120.00} as an outstanding debt and reported it to the credit bureaus as default debt. This has driven down my credit report over 24 points and I am recovering from bankruptcy after my wife had XXXX & we could not afford the medical bills. Ally Auto is really horrible about updating their records. For instance, I had a closed file on a leased car, my 6th leased car from Ally, and the account was closed in good standing. They had the account listed on my credit report as open and somehow written off under bankruptcy. That issue of false reporting was solved after no less than 4 letters to Ally and email communications -- which also drove down my credit report. And for the record. I am a very good customer of Ally, leasing 7 cars in the last 11 years with them and no payment has ever gone over 30 days late. The current issue is that I got this call from Ally Asset Recovery and the automated service says I owe {$120.00}. The initial voice mail was from XXXX at XXXX XXXX XXXX ext XXXX. I called her back last week on my 1/2 hour lunch break, got her directly, and she told me it was an outstanding tax bill for account XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX. But. This minivan was traded in at XXXX XXXX in XX/XX/XXXX and the only way a van gets traded in -- is if all the PPT is paid-which it was. XXXX then tells me I have to talk to car leasing and transfers me to a CSR from XXXX -- I then have to verify all my info again, only to be told I have to call Ally Asset Recovery. I then called back and got ahold of a supervisor and left a detailed vm and I believe this person was XXXX and this person was also described as XXXX 's supervisor. He also has not called me back. This is fraud and Ally Auto Financing is driving my credit into the dirt with their actions and leaving me no recourse but to complain to the CFPB. I am begging for your help. I am supporting my whole family at this point on 1 paycheck. My wife is still recovering from XXXX and these people are literally ruining my chance at financial recovery -- for a bill that should not even be mine to begin with. Wa XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
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: There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been a victim of fraud I see several inquires on my credit report in which I did not provide my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The reason why Im writing is Im getting tired of calling the representative are very rude and I have everything recorded on my phone for proof. Im XXXX currently and I do not need this stress I have had two XXXX back to back. My account is showing past due and a late fee that is not correct I was place on a special payment which I sign and faxed over. My payment was made on time of the correct amount of {$98.00} on XXXX per the contract I even called and recorded the agent stating I made the correct amount on the due date. The other amount was {$140.00} per contract to start the next payment being {$98.00}. I did exactly what I was supposed to do per contract and it showing a late fee of {$15.00} and a past due {$140.00} amount that is breeching your contract and I will take you to court if my account isnt fixed to reflect the correct amount of {$240.00} due and no late fee. Thank you for your time. Have a wonderful day! Be safe!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A