Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2020 with a balance of {$40000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ally Financial called me, roughly a week ago, asking to pass a message to someone I am related to. I know they skip traced my contact information, as I have not spoken to this relative in over 10 years. I informed the representative that I have little contact with that person and to not contact me again about the matter. Since then, I have received repeated calls and multiple voice mails in the same day. Today, XX/XX/XXXX, after getting multiple voice mails, I answered the call and again informed them that I have no contact with the relative they are looking for and again to not contact me. Rather than terminate the call, the representative attempted to push the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$16000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off an auto loan in XX/XX/XXXX, over the duration of the loan I paid extra on the auto loan and also made two payments in the same month. I recently discovered that a late payment was recorded to my credit history in XX/XX/XXXX. Ally never contacted me to inform me they reported a late payment on my credit history so I was not aware of the issue until I applied for a mortgage in XX/XX/XXXX. I was also informed by Ally today that the extra principle payments I made during my loan term were never applied towards my principle. Ally was taking the principle payments and pushing the payment out several months and charging me interest on the auto loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
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 30-60 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: 02124
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
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: Finance Company : Ally Account # : XXXX Vehicle : XXXX XXXX, XXXX I am the primary on the account, my daughter is the co-borrower and normally she deals with Ally 's foolishness. The final payment was made XX/XX/XXXX in the amount of {$610.00}, the following statement popped : [ Your final payment is pending. You'll soon have access to our title tracking feature, which will keep you up to date about when your title and/or lien release will be processed. We'll send you an email soon as the title tracker is available on your vehicle details page. ] I received via mail a letter dated XX/XX/XXXX Congratulations for paying off your auto financing with document attached that looked like a title but instead of being blue it's pink with the following statement : [ This is to certify that a security interest has been duly filed with the motor vehicle administration in the name of the secured party below on the vehicle described. Termination Statement I, the undersigned do hereby release all rights and interest in the vehicle described above ] Signed and dated XX/XX/XXXX additional a sticker with the following information : XXXX XXXX R XXXX. XXXX XXXX XXXX XXXX ( cars VIN ) On XX/XX/XXXX, I contact Ally and spoke with Customer Service Agent XXXX requesting the vehicles title. I was told that the last payment was rejected on XX/XX/XXXX and that Customer Service Agent XXXX " Reallocated '' the payment on the same day. I checked with my bank, the payment DID NOT come back. Ally has verified receipt of the final payment for {$610.00}. However, I received a registered letter dated XX/XX/XXXX " Notice to Repossess after XXXX XXXX. It indicates that the account is in default and need to make a payment of {$470.00} which is suppose to represent the XX/XX/XXXX and XX/XX/XXXX installment ( s ) plus unpaid charges. '' If the final payment was confirmed received. Why is the account in default? What is the additional {$470.00}? We have had issues with Ally throughout the length of this loan. The final payment was made and I want the Title for the vehicle. Documents attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THERE ARE ACCOUNTS ON MY REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. I HAVE LISTED THE ACCOUNTS BELOW. PLEASE ASSIST ME IN HAVING THESE ACCOUNTS REPORTED AS FRAUD AND HAVE THEM REMOVED FROM MY CREDIT REPORT. 1. XXXX XXXX ACCT # XXXX 2. XXXX XXXX ACCT # XXXX 3. XXXX XXXX ACCT # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75901
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I switched payment schedule from mail to direct deposit and the company has me 30 days late which is incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My wife received unemployment benefits due to the pandemic. She can't read English very well and isn't adept at computers so I had to fill out the forms to make it happen. I added her as a co-owner of my bank account at Ally Bank and so I put this account number into the form to receive the funds from the government. The problem is that for whatever reason, my request to add her to my account didn't go through at Ally Bank and I did not realize this. I added her to my other bank ( XXXX XXXX ) and they added her as co-owner immediately. However, Ally Bank asked for additional documentation because my spouse is a foreign national. I gave them the additional documentation and assumed that it had been taken care of. A few months into her receiving her unemployment benefits, Ally Bank locks my account and tells me to contact them. So I call and after waiting on hold for a while, the woman comes back and says in an accusatory voice, " Who is ( wife 's name ) to you? ", I say, " That's my wife. '' She must have thought I was lying because she then says, " Yeah? We're ending our relationship with you. Your account received funds for ( wife 's name ) which is not your name on the account. '' As I try to explain that I thought she had been added as a co-owner of the account, the rep hangs up on me mid-sentence. When I tried to call back, I found that my number was blocked. I understand that it may look strange because my wife is a foreign national and has an XXXX name while my name is quite plain. However, I do have a marriage certificate that shows we were married on XX/XX/XXXX in Pennsylvania. The incident with Ally Bank happened XXXX, XXXX and it is now XXXX, XXXX and I have not heard anything from Ally Bank. However, they keep sending me paper statements for my account which show that I have {$10000.00} in the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: KY
Zip: 41042
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A