Date Received: 2019-10-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been calling and complaining about 6 inquiries on my credit report that XXXX is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In re : XXXX : Misreporting XXXX XXXX account balance. Current balance is {$0.00}. Misreporting XXXX account balance. Current balance is {$0.00}. Misreporting XXXX account balance. Account balance is {$0.00}. Misreporting Ally Financial payment history and indicating 30 days past due. The account has never been past due. The automobile referenced by this loan is a XXXX XXXX XXXX purchased by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX. Seller presented the automobile as a dealer buy back becasue the engine and transmission were replaced. Dealer presented ( on information and belief ) a fake XXXX Report to induce the sale. Dealer finance manager conspired with an Ally lending manager to obtain financing for a {$33000.00} loan with a @ {$2500.00} deposit at 8.69 % loan rate. FICO at the time was XXXX. Purchaser was later presented a dealer opportunity trade on a current model vehicle with the trade-in offer exceeding the purchase price from XXXX XXXX XXXX XXXX. Upon presenting the vehicle for trade, the VIN was checked and the dealer informed the purchaser " that vehicle can not be taken in on trade '' due to the compromised title. At the time of purchase, XXXX XXXX XXXX XXXX, knew and/or should have known the diminished value of the vehicle was in excess of {$20000.00}. On information and beleif, Ally Financial, in conjunction with XXXX XXXX XXXX XXXX conspired to defraud the purchaser, to the financial benefit of Ally Financial and XXXX XXXX XXXX XXXX. On information and belief, the Georgia Attorney General opened an investigation on the dealership, but should open one on Ally Financial. XXXX is also reporting incorrect public information in re : XXXX and XXXX XXXX ( XXXX XXXX University ). I graduated from XXXX XXXX University XX/XX/XXXX. XXXX XX/XX/XXXX, I took a new XXXX position in which my XXXX school credentials and transcripts were requested. I made notice to XXXX XXXX University to find my account had been frozen. I called XXXX XXXX University to determine the issue and was at that time, nearly 4 years after graduating, was notified by XXXX XXXX University that there was an outstanding bill due. I inquired as to the basis of the bill and the account manager advised she would have to call me back after researching. After a number of calls back and forth, the University admitted the alleged debt was based upon a class withdrawal. I was able to provide all timely withdrawal forms, but was told they were irrelevant because the University went off the date they withdrawal was processed. I asked why I had not been contacted in the nearly 4 years prior and was told they could not explain that. I advised the University I was not going to be extorted and would file a complaint, however, due to the necessity to have the document for my HR department, I paid the amount. After I paid XXXX XXXX University the amount they stated was due, they still refused to clear my account and issue my transcripts. Again, I called the University and spoke to an account manager who advised me that I would have to call XXXX and XXXX to pay their fee. Again, the University extorted funds from me by holding my transcripts hostage. As a direct result, the negative public information was posted on 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: XXXXX
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The loan company has the car and when I got divorced it is in our divorce paper my ex-husband is solely responsible for it all and i tried to change it over but the company has yet to do that. And it was agreed to be taken off my credit report. And it hasnt be done so yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never paid this account late. ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90242
Submitted Via: Web
Date Sent: 2019-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! I emailed Ally through the website the following morning and have received no response. It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a car through Ally financial which was my lender. My car XXXX XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX XXXX account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2019-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I originated a {$63000.00} outbound transfer from my Ally Bank savings account to my XXXX XXXX checking account on XX/XX/XXXX, before the XXXX cutoff. The transfer was delayed -- the funds were not received the next-day ; instead, the funds were credited to my XXXX XXXX account on Monday, XX/XX/XXXX. Reading Ally Bank 's Transfer FAQs, it says, " we determine eligibility for next day transfers based on account tenure ( I've been a customer for 8 years and opened this particular account 6 years ago ), account activity ( I transfer-in {$1500.00} every month from my XXXX XXXX account ), and transfer activity such as overdrafts and returns ( I have NEVER had an overdraft or return on this account or the three Ally accounts I own ). To combat fraud, we are selective about when we offer next-day transfers. '' There was NO RISK OF FRAUD. Again, I was transferring money BACK to the account I've used for 6 years to fund the Ally Bank savings account. I called Ally and asked to be paid interest for the time my money was MIA. Funds were withdrawn on the XXXX, but not credited until the XXXX. Ally refused -- they said there was no error. I believe I was treated unfairly. Ally used my money during the transfer delay -- I lost interest. My transfer should have been next day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02879
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. XXXX Payment was reported for being late even though payments were being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also answered phone attempts by Ally Financial during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
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: Dear Ally, Consumer Financial Protection Bureau, CFPB, AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : I HAVE CONTACTED ALLY BANK SEVERAL TIMES OVER THE PHONE TO NO AVAIL, AND THE 3 CREDIT BUREAUS. MAKE THE CORRECTIONS OR YOU WILL NOT RECEIVE XX/XX/2019 NOR XX/XX/2019 Payment. I have included WOES for you to execute. Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A