Date Received: 2020-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company has incorrectly reported late payments for months of XXXX, XXXX, XX/XX/2018 even though the payments were done on time. The company claims there was no payment in XX/XX/2018, and so the XXXX payment was credited to XXXX, XXXX payment to XXXX, XXXX payment to XXXX, and so on. I have shown my bank statement as proof of mortgage payment and cash transfer to XXXX XXXX, the mortgage transferee. The company has ignored this proof and claims XXXX has no record of the payment.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2020 ally bank uses a fake consumer reporting agency called XXXX XXXX. They have my credit score as XXXX. I have XXXX with XXXX h XXXX XXXX with XXXX and XXXX with XXXX this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive paid the loan on time except in XX/XX/XXXX. The company showed my account as repossessed and every time I would contact the company about my account status no one could tell me how to fix it. I had my car and it was not repossessed. They reported my account as repossessed for two months when in fact my account was not repossessed. On several occasions the customer service rep would keep me on the phone for over an hour reading notes and then would constantly transfer me to another person who would brush me off and tell me they would fix it and call back in 30 days. This was done several times. All calls are recorded but no one seems to know why my account shows a delinquent status. In XX/XX/XXXX I paid ahead for my payment due in XXXX ... in XX/XX/XXXX Ally financial reported my account as delinquent for XX/XX/XXXX. I paid early and my payment was not due until XXXX back in XXXX. This company does not report to credit bureaus properly. I requested they change the status of my account and they gave me a confirmation number and still no one has done anything to fix my account status which is affecting my life and credit score. I am unable to apply for a mortgage because this is affecting my FICO score. I feel that I have exhausted all attempts to correct my account with this unprofessional company with no success. My last attempt was on XX/XX/XXXX, I stayed on hold for 45 mins before someone came on the line and disconnected the call. Ally Financial is extremely unprofessional and negligent when it comes to my personal credit file. Please make them fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial will not report on time payments from XX/XX/XXXX to XX/XX/XXXX. Numerous attempts were made to no avail ; they could care less. It's affecting my credit, costing me more interest and could effect my mortgage loan rate when we close on XX/XX/XXXX. Attached you will find where Ally shows a balance that was paid off in the amount of {$24000.00}. This is not accurate. See below for more information The payoff amount was actually $ XXXX..this is because we paid down the balance of {$24000.00} with our monthly payments and a balloon payment of {$1800.00}. Ally has refused to report the payments from XXXX through XXXX and instead are just reporting a balance paid off which is INCORRECT. They are required to report this accurately and correctly. They are not. Upon reviewing my credit report which is attached you will see from XXXX XXXX they have not reported a payment since XXXX of XXXX. It is my belief that they have cost me money with higher interest rates on my refinance in additional to having hurt my credit score by not reporting payments on this installment account. We close in TWO weeks on our construction loan and the difference in a 10 point increase in my score could save me $ XXXX over the course of our mortgage loan. This is not right and they need to be held accountable. I called Ally on XX/XX/XXXX and was told a supervisor would call me back. I received a call from a XXXX on XX/XX/XXXX who stated she would call me back on Tuesday, XX/XX/XXXX. That did not occur. So I called back in and got a hold of XXXX and she was very rude and abrasive. She told me theyre reporting the balance paid off and its correct. She ignored the fact that the credit bureaus, ALL OF THEM, have not reported payments since XXXX and that the balance is wrong. XXXX should be terminated immediately for her behavior and her inability to properly correct the information. I had asked for a supervisor to call me back and that did not occur either. I was told her supervisors name XXXX XXXX. I called back in again today and asked for XXXX supervisor and asked for a callback and nothing. They continue to LIE, and they are making no effort to rectify the issue. The State of Missouri should make them pay for this and we intend to sue Ally Financial if this is not corrected and the payments reported each month correctly and the balance that they showed for six months was incorrect. During this time two credit cards actually lowered my credit limit because of high installment loan balance that was not moving down because Ally was not reporting it. This alone is enough for real damages. This is completely unacceptable and as a consumer I am afforded rights. They are violating multiple state and federal laws. This can not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 650XX
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Ally bank closed my savings account for no reason at all. I did not request this. All of my savings are missing and I can not access them. Then when I contact the bank, after speaking with 2 agents, they claim that all they can tell me is that a letter is being sent to me and that I may receive a check in the mail. I am so livid and distraught. People keep their money in the bank for it to be safe! Where is my money??!! Why was this done?? I will begin looking for a new bank. This bank needs to be thoroughly investigated and shut down. There is a lot of fraudulent, unethical behavior going on with this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally Bank sent me a notice stating that they made a business decision close my checking and savings account. I have over $ 40K in my accounts, am an active client, and have never been in deficit. There is no justifiable reason for them to close my accounts. They only gave me a couple of days notice, which gave me little time to open a new account with another bank and redirect all of my direct deposits and bill payments. On top of it all, there is no time to transfer my funds electronically to my new bank because it will take 3-5 business days to validate the new account, and Ally will close my accounts before the validation process is done. I have no choice but to wait for a check in the mail for all of my checking and life savings, with no guarantee or security that the check won't get lost in the mail or ability to expedite the process. I was told to expect the check within 7-10 business days, leaving me with no access to any money for over a week. Their customer service was useless and I was given contradictory information on each phone call. No one knew what to do or how to help me other than just saying they apologize for the inconvenience. I'm infuriated at Ally Bank 's actions and am at a loss of what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Had a truck loan thru Ally Financial. Paid off my truck loan over a month ago, received my title two weeks ago. They refuse to update the credit bureaus. They update after each regular payment, but when you pay the loan off they say they are unable to update. I've already made several complaints, and have contacted them. They say it's broken, what could be broken. I'm not the only one going thru this problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I had a lease with Ally financial on a XXXX XXXX XXXX XXXX XXXX that I traded into XXXX XXXX and obtained a new lease through XXXX XXXX for a XXXX XXXX XXXX XXXX Ally at first reported i owed a balance and was 30 days late to a XXXX lease payment which was incorrect and impossible since I didnt even own the car any longer. I disputed the account 3 times through experian and have open disputes with the two other bureaus since Ally reported my account with them closed, paid but still show I was 30 days late. I have NEVER paid my lease late, ever. Its impossible that I could have been late in XXXX since the vehicle was turned in on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55033
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally just closed my savings and checking accounts for no reason. I got a letter today from Ally saying they've made the " business decision '' to close all my accounts without without giving me any real answer. Just that they " have the right to do so ''. Confused, I called them up and they basically repeated what was on the letter, with the reason being that they can close any account for any reason at any time and no additional info. How can I figure out what the real reason for my account closure was? I think I'm a pretty standard customer, I don't do anything weird with my accounts. I have over {$6000.00} in funds remaining in the account. I owe NO fees or fines, and never have in the past and this is the only account I've used. They just ... closed my account without explanation? What was the real incentive?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19426
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is calling me every day for my sister-in-laws debt. They have been told we do not speak, and my cell phone they are calling is for XXXX emergencies as I am a XXXX. I do not know how they got this number, and it is effecting my practice. Most recent phone calls were : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, voicemails on XXXX at XXXX XXXX etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A