Date Received: 2020-03-06
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: I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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: 02302
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ( 4 ) ally finanl ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) XXXX XXXX All hard inquiries showing on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ally Financial placed a bad debt on my credit report and inadvertently it lowered my score. I contact Ally to inform them that per the divorce decree this debt does not belong to and this has been communicated to them several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48124
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Today, XX/XX/2020, Ally Bank was advertising interest rates of 2.5 % for a fixed 15 year refinance. This was obtained using their web site ( online bank only ) and their refinance calculator. All the details of the refinance ( amount, location, etc ) were entered into the refinance calculator. Because of the low interest rate, we started the application process ( also online ) the same day. The interest rate suddenly changed to 3.375 %. We e-mailed XXXX XXXX ( XXXX ) and he just said the rates are changing every day. But evidently they are changing every hour, because when I went back to their online rate calculator, I was given a new rate of 3.125 % for the same loan. Again, their online calculator is lower than the actual rate they will loan money at. This is just deceptive.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I have been trying for almost a week to get a payoff quote from ally bank that includes my loan account number. I have spent hours on the phone and still do not have this most basic document. Ally bank is not relinquishing this information so that I can not refinance and so they can still keep earn interest on the loan at a ridiculously high rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: My certificate of deposit with Ally Bank matured XX/XX/2020. On XX/XX/XXXX, by accident, I found that the completed transfer I had instituted via my broker, had been countermanded by Ally, the money returned to Ally and my account there frozen. No notification, no explanation, no apologies. On XX/XX/XXXX, after repeated calls and emails ( one with documentation of my identity ), I was told by a staff person in the fraud department that no one could speak to me because I am deceased. So far as I can tell, I am alive. I eat, sleep, and charge things on my credit cards. It should be ridiculously easy to confirm my continuing existence. I am not privy to Ally 's reasoning or sources but I did XXXX and found a person of the same name who did die -- -two years before I bought my CD. You would have to be alarmingly blind not to notice that this other person had a different address, a different telephone number ( presumably closed by this time ), a different social security number. In short, we shared nothing but a name. I have pointed out these facts in additional emails and calls and they have been met with a wall of silence. Meanwhile, no one will say where my money actually is. The amount in question is more than {$100000.00} on which I am losing considerable interest every day since it is not in the bank where it was headed. My reputation with my broker has been damaged, and this whole bizarre example of mind-boggling incompetence and not-my-problem indifference has taken a toll on my health. I believe the aborted transfer also violates the Electronic Funds Transfer Act. Ally advertises that " ... every interaction we have is designed to ensure we're doing doing our best for our customers and their financial well being ''. That might strike me as black humor if I could still laugh.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
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: I recently submitted a dispute with XXXX that the Statue of Limitation has expired with Ally Financial. I received my results today XX/XX/XXXX that the account has been updated. Ally Financial had previous negative reporting on my credit report that is now in good standing as a closed account but has multiple errors. The status of limitation has expired for this account. The account was open on XX/XX/XXXX and reported closed on XX/XX/XXXX. However, the date of the first date of delinquency was in XXXX and it is a negative closed account. Most negative information can only stay on your credit report for a maximum of seven years. However, this is a negative and old closed account. The credit reporting limit for negative reporting is 7 years. If I dispute an account online I do not get information reported from the credit bureaus stating the reason the account has been updated or the reason for the disagreement. Because I can not come to a resolution, I submitted a complaint to fix the errors that has been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased my new XXXX XXXX XXXX XX/XX/XXXX and obtained the financing through Ally Financial. Everything was great until about XX/XX/XXXX. It started XX/XX/XXXX when I had to have XXXX XXXX XXXX XXXX and things did not go as well as planned and I ended up off work for 6 months. I did not plan on being off this long as it placed a great strain on my budget. By the time I returned to work, I will take full blame that I did fall behind on my car payments. I was working on trying to catch back up but was unable to and contacted Ally on XX/XX/XXXX to see what kind of assistance I could obtain. I contacted through the chat option feature that is offered through the website due to being at work and was unable to talk on the phone. I spoke to someone whos name I cant remember who told me that I could pay {$100.00} and change by XX/XX/XXXX or so to roll back the number of days that I was past due for the credit reporting. He then proceeded to demand when I was going to pay the remaining past due balance. I tried to explain that I was seeking some sort of assistance and he continued to demand payment. I continued to explain my situation and that I had lost my spouse in XXXX and then the XXXX in XXXX and was in a XXXX XXXX and desperately seeking assistance. The agent continued to demand a promise to pay and continued to now threaten my credit, which according to the FDCPA Collections, they are not allowed to do, nor are they allowed to harass me the way he proceeded to do. I became so distraught that I disconnected the chat. After I had time to calm down some, I emailed them through their online portal asking for the chat transcript which I am entitled to have and have not received it. I have then proceeded to leave negative comments on their XXXX page and was asked to privately message them, which I did and was told that someone would reach out to me. I received an email that someone would investigate the issue. Not a word since. I started to receive collections calls, explain my situation and the regulations that were violated and told that someone would reach out to me and not a word since. I have asked on numerous occasions for the transcript to the XX/XX/XXXX chat session and have continued to be ignored. I have no intentions of not paying but again am seeking assistance for the past due balance, the transgressions that the agent committed and assistance for the payments until I can get back on my feet financially. I also still am requesting a copy of the chat transcript from XX/XX/XXXX of which I have yet to receive after almost a dozen requests. The service I have received over the 3 months is beyond disgusting and has also violated several FDCPA Regulations and this issue needs to be investigated.As of XX/XX/XXXX, they have now started to disguise their phone number and are now calling from alternate area codes as well which is also a violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I setup automatic payments for my son 's preschool with Ally bank. Ally, through a third party company, would mail a check directly to the preschool and debit my account. In late XXXX, the check for XXXX 's tuition was stolen and cashed by an unknown person. I have tried to get reimbursed for these funds as I had to write a second check to the preschool for tuition. For six months, Ally has given me the runaround and provided no solutions, and has yet to reimburse the {$180.00} ( although they said they would ). Ally has also been unable or unwilling to provide me with an image of the check that was cashed, despite numerous requests. I have contacted customer service, Ally 's fraud department and even reached out to a senior executive ( who was initially helpful, but still no progress ). Any help would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A