Date Received: 2020-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sued my auto finance company, Ally Auto in XX/XX/2019. They locked me out of my account for months, I was not able to make payments. I called and was told my account was frozen due to the litigation. Now the company is reporting me late for not being able to make payments. I feel I am being punished because I sued Ally ( and won, over vehicle damage during a repossession ). I have asked them to correct this several times and was told they would. They are reporting different things to different agencies, which makes no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reported the following accounts on multiple occasions since XX/XX/2020 using the identity theft methods made available to my by the local police and online resources. XXXX has done nothing to remove this account after countless contact with them regarding incorrect information. The following items are still reporting incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i purchased a vehicle through Ally auto finance company. When going over the financing application i spoke to a representative from Ally they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. Ally auto finance targets committees of color lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This racist organization needs to be held accountable for their lies and deception
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX my ALLY checking/saving accounts are frozen and I cant use any of the funds amount XXXX. Im experiencing identity theft and I have other authorized accounts opening and I want the ALLY accounts closed immediatelyXXXX to keep my funds safe. This company as refused to close my account or write out checks in the amount of funds available until I send them a email. The email given was XXXX which I sent the request to close my accounts XX/XX/XXXX. What they requested which I recorded because its odd during a identity crisis documentations Request reads as follows my identification card, social security card, and billing letter in my name which I refused. This ally company I opened in XXXX as never once contacting me? After I have called several times, left voice messages for a supervisor, and have sent a email via the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Due to previous loss of income and a current reduction in hours due to covid 19, we have several late or missed payments. In an attempt to collect payment Ally Financial informed me that a payment was needed in order to keep a repossession from happening after I attempted to communicate with Ally for a few weeks to no avail as their computer system was being upgraded and they could not offer insight nor assistance into the account. When their system went live, they automatically requested payment on that date to avoid repossession. This payment was made within a few hours of the request and they stated that the vehicle would not be repossessed and it wasnt. However, I recently became aware that our credit reports show a repossession. I feel that Ally acted in bad faith as I was not informed prior to or notified after payment that a repossession would be reported to the credit bureau since the vehicle was not repossessed and payment made upon request. Had I known that a repossession was going to be on my credit report I would have surrendered the vehicle at the time. I asked that this be removed from the credit report as being the purchaser I did act in good faith by maintaining contact with Ally and making the requested payment to avoid repossession. This request was denied. In addition, an extension was requested due to a reduction in hours due to the pandemic. This too was denied while the representative informed me that workers are working from home so departments are delayed with communicating with one another. _
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I applied for refinancing on our mortgage. We were told that there was an account with Ally Financial that was showing closed in XX/XX/2019 with an outstanding account. We notified Ally but are not satisfied with our inquiry. They have updated the account as of XX/XX/XXXX but we have not been given a reason as to how the mistake was made. We should have been receiving positive points on our credit score for the last 7 months and have not. This needs to be reconciled.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial has not updated my loan information regarding the current balance and payment history for my credit report. The last payment update reported was XX/XX/XXXX and it is now XX/XX/XXXX. I have called the Ally Financial multiple times and the Ally Financial has not given me solid valid solution for the issue. No action has been taken by Ally Financial and the customer service is terrible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have exhausted all options on trying to reach someone regarding an extremely heart breaking closure of both my checking ( ending in XXXX ) and savings account ( ending in XXXX ) on XX/XX/XXXX XXXX.I am a single mother in the middle of the pandemic only receiving social security and child support as consistent deposits. I have been a loyal Ally customer for years and not sure why I have been blindsided with this decision. I haven't violated any policies as I was told when speaking to several representatives, however both my checking and savings are closed as well as me being told I can't apply for another account with Ally because they severed their banking relationship with me. I don't work, have no car and 2 young children. I have been saving that money for a while to get us a home. my CD account with Ally seems to still be open so I am confused as how it's okay to continue to keep my CD in place but sever the relationship with me regarding my checking and savings account. Being on XXXX, all of my bills are paid directly through this account. The only notice I was given was an email minutes before it was already closed anyway instead of being able to communicate and figure out if there was a real reason why I am not able to no longer bank with Ally. I do not own any businesses nor do I make any business transactions other than actually buying from and purchasing items as any normal mom would. I am not able to access my money for weeks including using the ATM as I was told an entire check for the amount that was left which is totaling more than {$11000.00} was already sent out originally on XX/XX/2020 ( but wasn't actually reported to have been mailed until XX/XX/2020 ) As it was also the Independence Day holiday weekend, I was not be able to cash or use the money from my account while being in a pandemic with my children. I have been saving for so long to get us a house someday. I have contacted several representatives from Ally bank who have tired to investigate an actual reason for my account closures and they, as well as supervisors, have stated there is actually no real reason given and no violations I have made. I decided to apply again to open up a checking and savings account with Ally on XX/XX/2020 and was approved for both! Immediately I was told the next day, XX/XX/2020 when inquiring about when my new debit card would arrive, that I am not allowed to be issued a card and that this NEW savings and checking account may be closed as well! This has been a nightmare and I need help for what has happened to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX, Ally Financial stopped reporting my decreased loan balance to the credit bureaus, so I called them and requested that my new monthly balance be updated. I called them every month from XX/XX/XXXX until XXXX of XXXX. Even when I had paid off my loan on XX/XX/XXXX, Ally Financial refused to update my information and report my account as being paid in full. They promised me they would make the necessary corrections but never did. It wasnt until XX/XX/XXXX, that I was alerted that Ally Financial closed my loan account and reported me as being over 60 days delinquent on payments. I checked my credit reports to find that Ally Financial had reported the months of XXXX, XXXX, and XXXX as paid. However, XXXX through XXXX were reported as no data. Meanwhile, XXXX and XXXX had been marked as delinquent. I immediately called Ally Financial frustrated because they promised that they would update my information but never did. Ally Financial was being deceitful, so I filed two disputes with three major credit bureaus ( i.e. XXXX, XXXX, and XXXX ). The first dispute that I filed was practically ignored because Ally Financial reported to the credit bureaus that nothing was wrong with my account ; so, everything stayed the same. Thats when I requested Ally Financial to send me the necessary documents that I needed to prove that I was correct and show that Ally Financial was falsifying my information. I included my documents as proof when I filed my second dispute. However, all three credit bureaus are still reporting various false information. The date that my loan was paid off is wrong, the months that my loan was being paid are incorrect, my account is still dated as being delinquent, the date of my first delinquency is reported as of XX/XX/XXXX, and my account status is still reported as not more than three payments past due. I was never late on a single payment. Ive requested for Ally Financial to correct everything and they havent. How can Ally still report that I made payments in XXXX and XXXX when my loan had already been paid off since XXXX? That has to be illegal. I believe they reported it like that on purpose, to make it seem like I was behind on payments for two months, and finally paid off the delinquent payments. We are now in XXXX, after eight long months of back and forth phone calls with Ally Financial, and three grueling months of filing credit disputes, I refuse to file a third dispute. The credit bureaus continue to report what Ally Financial says and refuse to make the corrections that I have sent proof of. Ally Financial has affected, and is still affecting, my credit score with their fraudulent activities. My credit score fell about 200 points! Im trying my best to get back to the initial score I had before the derogatory trades were reported in XXXX. However, its difficult to do so when negative information wont be removed from my file. I have done my part, without help from Ally Financial, and I am now at my wits ' end. Im hoping you can correct this for me and hold Ally Financial accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A