Date Received: 2020-02-17
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: This complaint involves XXXX Credit Report. On XX/XX/2020, XXXX lowered my credit score by 36 points. According to the report issued via XXXX XXXX, who used the XXXX Report, there were five changes to my XXXX Report : 1. Ally Financial Reports 2 Payments Made on Time. 2. XXXX XXXX XXXX added the following remarks to my account : Charged Off Account. Account Closed By Credit Grantor. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 3. ALLY FInancial added remarks that Consumer disputes after resolution. Ally Financial has not conducted a legitimate investigation into my complaint and on several occasions changed the dates they claimed I was late on my auto loan. The auto loan was never late and I continue to dispute the report. 4. XXXX XXXX XXXX added the following remarks to my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 5. XXXX XXXX XXXX removed the following remarks from my account : Consumer dispute - reinvestigation in progress. I continue to dispute the legitimacy of this account and demand my remarks be reflected on the account that Consumer Disputes Investigation Findings. XXXX and XXXX have claimed they have previously investigated the claim and are not obligated to conduct further investigations. The reality is that a representative of the XXXX CEO staff stated that the CEO 's position is that no fraud occurred. This was not predicated upon a legitimate investigation as I have repeatedly asked for a copy of their investigation to no avail. 6. XXXX XXXX XXXX XXXX continues to report negatively on my credit reports and refuses to conduct a legitimate investigation. Because they wasted so much time, there is no way to prosecute the fraudulent actors, meanwhile, XXXX continues to fraudulently report negatively on my report. It is clear to see that XXXX, ALLY BANK, and XXXX XXXX XXXX are deliberately manipulating the credit reports and negatively impacting my XXXX Credit Report and ability to purchase a home. For instance, my score dropped 36 points over a change in the narrative but has not gone up since paying off nearing {$2000.00} to XXXX XXXX XXXX. XXXX is also under-reporting the average age of my credit. I have a 99 % on-time payment, 15 % Credit card utilization, 0 Derogatory Remarks in Collections or Public Record, 7 Hard Inquiries which I have repeatedly disputed as unauthorized and XXXX has done nothing but refer me to the creditor. The responsibility is upon XXXX to report accurate information and to demand strict proof when I file a complaint or dispute. On information and belief, it is public knowledge that XXXX, Ally Financial, and XXXX are corrupt and manipulate scores to fraudulently inflate the cost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ally has been calling my phone trying to collect my brothers debt. I've told them numerous times they are calling the wrong person and they still call me. I've been yelled at, hung up on, and I'm tired of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2020 at approximately XXXX on I initiated an online wire transfer from Ally Bank. The initial scheduled transfer date was XX/XX/2020 ; the amount of {$73000.00} was to be transferred for my home purchase closing on that date. To guarantee that the funds would be available on XX/XX/2020 I decided to change the date of the transfer to XX/XX/2020. The online system did not confirm any wire transfer and this meant I was not able to make any adjustments to the wire transfer. I called Ally Bank within 5 minutes of my online request and changed the wire transfer date to XX/XX/2020. By the end of business on XX/XX/2020 the wire transfer still had not occurred. Though the Ally Bank policy is that a wire transfer initiated by XXXX XXXX will process that day ( I initiated the transfer on XX/XX/2020 before XXXX ). As of XXXX XXXX on XX/XX/2020 the wire transfer still had not occurred, and after multiple phone calls to Ally Bank they still can not confirm when the transfer will be completed. Because of Ally Bank 's failure to provide their service as advertised I have now lost a day of work and my closing is in jeopardy. I would not recommend anyone use Ally bank for any advanced banking products. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This complaint is for Ally bank. They have been harassing me and my mother for months. Seemingly by the same lady. She called my mother approximately a week ago from XX/XX/2020 and screamed at her through the phone, threatened her with legal action, yelled at her that she will be sued, and her account, credit and her will be ruined. The same woman called me today ( XX/XX/2020 ), was extremely rude and lied to me telling me that the truck was mine now and that my mother had told her I had the truck, and I was authorized on her account. She threatened me with legal action, threatened my mother again with legal action and said that the company will sue her and that things are going to get worse for her. I do NOT have any legal bind to said vehicle and they DO NOT have any authorization to call me. I've told them time and time again to remove my number and they refuse. My mother has been trying to work with the company since day one, and they refuse, they simply call to yell at her ( and me now ), threaten her and they do not provide any sort of help in the matter/ resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I applied for a loan modification due to financial hardship from Ally Bank on or around the XX/XX/XXXX and was granted an Extension Agreement over the phone. I was told that I would receive a document to sign in the mail. I received the Extension Agreement document dated XX/XX/XXXX on XX/XX/XXXX and faxed and paid the first installment the next business day XX/XX/XXXX ( within the time Ally Bank stipulated of 10 days from the date of the document ). On XX/XX/XXXX I contacted Ally Bank to find out if the agreement had been executed and was told that due to banking software upgrades in XX/XX/XXXX that it must have been overlooked. The reason I did not think the agreement was processed was that I got a notice from Ally Bank that my account was past due and my online portal did not reflect the payment schedule on the agreement. I was assured by Ally customer service after they tracked down the signed agreement that they would update my account to reflect the agreement in 2 business days. No updates were made and I continued to receive notices from Ally Bank for payment. On XX/XX/XXXX I contacted Ally Bank again three times because there was still no change on my account reflecting the Extension Agreement. I was on the phone for almost an hour and was hung up on 2 times by Allys customer service with no call back from them. On the 3rd attempt, I was able to reach a customer service representative and reach a conclusion. The agent stated at the end of the call that Ally bank would honor the Extension Agreement and update my account to reflect the agreement within two business days. No updates were made. On XX/XX/XXXX I emailed Ally Bank through my online portal and asked that they update my account to reflect the extension agreement. I included an attachment of the signed agreement and detailed my interactions thus far. On XX/XX/XXXX I got a reply stating that they received my email and that if I had questions to call their 1800 number. No updates were made. Ally Bank is giving me the run-around and they are not honoring their own agreement. They are causing me a lot of unnecessary stress, time and money all in an effort to what is clearly a scheme to get even more monies in fees from folks with financial hardships. I am being financially responsible in trying to use the programs that they offer in good faith but in return, I am being met with underhanded shady practices designed to take advantage of the most vulnerable amongst us. I need help as Ally Bank is not working in good faith and is not abiding by our agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have submitted multiple complaints about ally financial and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. Attached is a conversation I had with the dealership through XXXX on in which they stated how they dont have to give a car fax and how they still sell cars that were in accidents without telling customers. Not giving a car fax was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. Ally didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.
Company Response:
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I was in an accident in XX/XX/2019. Since then, I have made several attempts in contacting Ally Financial to obtain the documentation necessary to file my GAP insurance claim with XXXX. XX/XX/2019 was the most successful attempt, however, I still have not received all the needed documents. I spoke with someone in customer service on XX/XX/2019 and explained that I had called several times prior to obtain an original contract and a statement including the payoff from the date of loss. We had been advised multiple times that the documents had been sent to XXXX, but when we spoke with the representative on XX/XX/2019, she saw no evidence that anything had been sent. She advised that she would get the contract sent in which I asked to have it sent/emailed directly to me so that I could send it to XXXX myself. She immediately fulfilled the request. As for the payoff from the date of loss, she explained that it would take a few days for her to obtain that document for whatever reason and that she would mail it as soon is it was ready. I followed up after the new year to the tune of their systems were down and would probably be down for the remainder of the week, so call back in the next week. I have called SEVERAL times since then ... XXXX has called, but there has been no answer on their end. I just need this once document so that I can more on with filing this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2020 I purchased a vehicle at XXXX XXXX in XXXX, Wisconsin and the dealer secured financing from ALLY Financial. I was never provided a title supposedly because Wisconsin requires the title to go to the lien holder. I am a Missouri resident which is a title holding state. To register and license a vehicle in Missouri you must have the title otherwise you can not do anything with the vehicle. I have tried numerous times to reach out to Ally by email and phone to get the title and explained to them that without it I can not even drive the vehicle purchased. They refuse to give me the title. I have sent them information on Missouri regulations for titling a vehicle from the DMV. My local DMV has tried contacting them also. They will not provide the title so I can not drive my new vehicle and am incurring late fees for titling the vehicle. There is no resolution in sight as they will not budge or even respond to my emails now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64506
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
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: Ally Financial did not remove a fraudulent account from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Over the last several weeks I've been trying to get a refund of a {$30.00} fee that the bank has unethically taken from my account. During this time I have spent many hours on the phone with multiple supervisors who have been unable/unwilling to help. Constantly trying to push me off the phone with no resolution, or one who inevitably hung up on me on the morning of XX/XX/2020. All I need is a simple issue resolved, but due to the banks online only nature there is no physical location I can walk into. I'm hoping this complaint will get me in contact with someone who can actually help me. All I need is someone with the authority to actually fix this issue. PLEASE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 677XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A