Date Received: 2020-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 921XX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 417XX
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I contacted Ally Financial Auto Leasing twice before turning in my leased vehicle. I wanted information on how to turn it in early and what the cost would be. I was given all the info I needed and was given a payout cost, which was satisfactory to me. On XX/XX/2019, I turned in the vehicle to a local dealership. As I was turning in the car, I was on the phone with an Ally representative. The representative again told me exactly what to do, then she talked with the salesman and a manager to get some necessary information from them. I signed the odometer statement, per her instructions, and gave over the keys to the dealer. Since that day, I have received multiple calls from Ally bank claiming I was past due on payments. I called them back, multiple times, entered into an online chat, and sent them emails, trying to rectify the situation. Each time I contacted them they claimed they didn't know I was turning in the vehicle, claimed they didn't have any information about the dealer I turned it in to, and claimed I was past due on my payments. Today, XX/XX/XXXX, I called them yet again ( I believe for the 7th time ) to try and get this situation rectified. I asked for a supervisor, waited on hold, then talked with a supervisor. He said that he couldn't help me and that I had to talk a different department. He transferred me, I was on hold for 15 minutes or so, then the new department picked up. Less than a minute into the conversation she hung up on me - no one called back. After 30 days, seven phone calls, one lengthy online chat, and a couple emails, Ally still hasn't picked up the car I turned in. I did everything they asked and gave them answers to all of their repeated questions, yet still they haven't picked up the car and closed my account. I'm concerned my credit rating will be affected since they keep claiming that I haven't turned the car in and that I am behind in my payments. All they need to do is what they originally promised : They need to pick up the vehicle and send me a bill for the residual owed amount. I have no idea how to get them to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45324
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/2019 XXXX removed what was agreed to be incorrect information they removed Ally Financial for {$8600.00} and as of XXXX they added it back to the credit file and my credit score has fell XXXX points since then this information is incorrect and needs to be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ally financial ran my credit report without my authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XXXX, I Have AutoLoan With Ally Bank On A XXXX XXXX XXXX, I made a partial payment on the loan and requested a one month deferment do to change of employment since then I have not received any type of understanding from Ally I have been hit with late fees past due payment on my credit reports .I also went to dealership XXXX XXXX only to find out that the vehicle dealer had sold out and also added the amount of previous vehicle that they bought from me to the total amount financed through ally, this is unfair pratices bye all parties, now my credit has been put in jepordy and I have been threatened with repo and bad credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2019-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: ATM withdrawal on XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) and XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) not made by me. I opened a dispute on both transactions. Dispute XXXX was closed in my favor but the bank will not provide the information used to come to that decision. Dispute XXXX the transaction was determined to be authorized and correct. Merchant Name/ATM location : XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX. I have requested information used to come to that decision. The information was not provide in letter sent to me XX/XX/XXXX informing that they determined the transaction was in fact valid. I think the disputes are related both were made at the same location. The ATM did not have a EMV chip reader, I did not see a camera. When I called XX/XX/XXXX to report the first invalid withdrawal on XX/XX/XXXX ally bank did not recommend canceling my card or inform me that a {$400.00} withdrawal had been made at the same ATM on XX/XX/XXXX. This is a ATM that is in network ( approved ) by ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80301
Submitted Via: Web
Date Sent: 2019-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019 a transaction was made through the XXXX application in the amount of {$200.00}. I first contacted the app vendor, XXXX, themselves, who got back to me in a timely fashion and responded that, upon investigation, they determined I was the victim of fraud due to that transaction. XXXX replied that they had taken action against all of the fraudulent parties accounts through their app, but they had no recourse to reimburse funds frauded through their application and recommended I follow up with my financial institution and local law enforcement. Later that day I contacted Ally Bank about the account my XXXX was linked to and explained to them the circumstances surrounding the fraudulent charge. Ally opened an investigation and assured me I would hear a response in 7 - 10 business days. After receiving no information or follow up from them, I participated in their online chat to determine what the result of this investigation was. I again explained the situation to the chat representative, who agreed that it was a case of fraud and recommended I submit the documentation from XXXX via secure message for Ally to review and overturn. I submitted that documentation, waited the 7 - 10 business days and still received no response. Upon contacting the financial institution by phone, I ultimately received the answer that a federal regulation allowed them to not have to take action regarding this incident. While I have never had a problem with Ally reversing fraudulent charges are communicating in a timely fashion prior to this, this entire experience has left a bad impression on my of both their customer service and commitment to customers. I used to work in the XXXX XXXX XXXX and am well aware of what financial institutions can and can not do. What they're willing ( or not willing ) to do is another story entirely and I will definitely be rethinking my status as a customer to Ally Bank in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2019-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-23
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A