Date Received: 2019-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX is showing up on my credit reports multiple times for car loans. I did not authorize them once let alone 3 time 3 days in a row ally financial is showing up three times as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally Auto has violated the FDCPA and the Federal Truth in Lending Act and my Civil Rights. Ally Inc. committed unconscionable acts of discrimination toward me causing damages as it furnished information to credit bureaus stating I was 30 days late three months before my due date ( s ) matured. The initial alleged delinquency for XX/XX/XXXX payment was false and repeatedly brought to Ally Inc 's. attention. I contacted Ally Auto and disputed the information three times and Ally Inc. updated the information on average in a matter of 3-4 days reporting the same inaccurate information as accurate causing an endless cycle of disputes with the credit bureaus and itself also destroying my credit rating in the process. Ally representatives alleged the debt was based on a rolling balance from a missed payment from XX/XX/XXXX. Later an Ally Inc. customer representative named XXXX changed the alleged delinquency to XX/XX/XXXX after I provided proof of XX/XX/XXXX payment. I have asked Ally Inc. for a proof copy of the notification of debt it claimed I owed for XX/XX/XXXX. Ally Inc. has repeatedly failed to provide any documentation of proof of debt which is required under the FDCPA. Ally Inc. alleged it waived the late fees/rolling debt and that I was actually delinquent for XX/XX/XXXX. I contend that Ally Inc. not only is liable for reporting inaccurate information with knowledge of errors, but also I have proof Ally Inc. attempted multiple times to collect on the alleged debt while I was in dispute further violating my rights. Subsequently if I incurred a late payment between XX/XX/XXXX and XX/XX/XXXX it was solely due to Ally 's repeated attempt to collect on a debt that credit bureaus have now deemed inaccurate. Ally Inc charged me hidden fees and attempted to cause actual damages based on a non-contractual billing practice which XXXX called a Hierarchy Payment System. This billing system allows Ally Inc. without the consumers knowledge to attribute extra monies included with monthly payments to the principle and interest as it sees fit. Micro debt can then be allowed to mature and be reported as a MISSED CAR PAYMENT as Ally Auto can not report late fees to the credit-reporting agencies. I believe with a reasonable investigation it will be concluded that Ally is still engaging in unethical billing schemes. The CFPB should be very familiar with the information I am providing as it successfully helped other victims receive a settlement from Ally Inc. in a very similar situation through Allys Auto lease program. I have reported this information to the Arizona Attorney General Office and they have taken a particular interest in the evidence I submitted and I suspect I am not alone in this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score 22 points. I not am going to pay for a car I didnt drive for a month when I even told ally that the car was defective. Ally said I gave up the car in XXXX and that was incorrect. It was within 3 weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been trying to refinance a vehicle from ally for almost a two months.Back in XX/XX/2019 I had asked for a payoff faxed to submit to my credit union.The fax was sent to me.I then decided because of my credit to stick out with ally.I called and was told someone would be contacting me about a rewrite.Fastforward to XX/XX/2019 I contacted them about a late charge that was sent to me but when I paid the note it wasnt on their website.I spoke to a young lady by the name of XXXX around XXXX.I got the run around about finally got to the Department when I asked what would the terms be the phone got quiet and then the survey came on.It was like she hung up or sent me to the survey.It seems like they dont want me to refinance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent 3 certified return-receipt letters over the past 6 months to Ally financial to dispute an item on my credit report ( one late payment that is affecting my credit score ) and have never received a reply to my dispute. They have exceeded the 30-45 day window to respond to my multiple disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX, FILED XX/XX/XXXX, XXXX-THURSDAY, AND XXXX, FILED XX/XX/XXXX, XXXX-MONDAY ) I AM PROVIDING THE REQUESTED ALLY BANK STATEMENT VERIFYING THE ALLY CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XXXX XXXX-XXXX XXXX confirm the account was not frozen. More important, ally bank does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY ALLY ACCOUNTS ( ALLY BANK ACCOUNT CLOSED XX/XX/XXXX-thursday, Ally checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO ALLY BANK AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from MsXXXX XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting ALLY BANK STATEMENTS DOCUMENTING THE ALLY BANK CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS 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: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize nor do I have any knowledge of making these attempts Ally Financial XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XX/XX/19 & XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XX/XX/19 & XX/XX/19 I writing to dispute the following inquiries and asking for their removal from my credit report. Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX
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: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019, a fraudulent transaction of {$540.00} was made from my checking account. The transaction was made to XXXX. I called XXXX the same day, and they said my debit card had been used. I did not use my debit card. The withdrawal had not been made through my XXXX account, but from someone else 's XXXX account who had fraudulently used my debit card information. My debit card had not been stolen, and I still have it. Someone apparently used my debit card info to make a XXXX transaction. The person 's name is XXXX or XXXX XXXX. I reported the fraudulent transaction online to my bank as well, which is Ally Bank. They immediately closed my debit card and issued a new one. It is XX/XX/XXXX, and Ally Bank has not given me a credit or provisional credit for the money stolen for me as required by Regulation E. XXXX told me that they reversed my transaction on XX/XX/XXXX and sent the money back to Ally Bank. I just received a letter today, XX/XX/XXXX, from Ally. The letter is dated XX/XX/XXXX. The letter states that " the disputed transaction was processed through a third party payment processor, XXXX. Therefore, the transaction is considered a merchant dispute and provisional credit is not provided, '' which I presume means they believe the transaction is not governed by Regulation E. I read this letter to XXXX, and they stated the judgement in this letter is incorrect. This is not a merchant dispute, and the transaction was a fraudulent transaction governed by Regulation E. It would only be a merchant dispute if I authorized the transaction. As I didn't authorize the transaction, it's not a merchant dispute, and is governed by Regulation E. Ally Bank knew or should have known that this was a fraudulent transaction because I told them on XX/XX/XXXX that it was. The fact that they immediately closed and mailed me a new debit card indicated that this was their understanding as well. I do not understand then why they are stating this is a merchant dispute, and why I don't have a provisional credit. I also don't understand why the {$540.00} is not back in my account if XXXX reversed the charge on XX/XX/XXXX. I called Ally Bank, and the agent said he did not see evidence of the money being sent back to them by XXXX on XX/XX/XXXX. He stated that he was forwarding a request to the Executive team, and I would receive a response in about 4 business days. Ally Bank is not in compliance with Regulation E, and the money should be back in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company 'XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. *I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I purchased a new vehicle initially financed through XXXX XXXX! At the time of purchase I told the new car salesperson at XXXX XXXX in XXXX XXXX Michigan I had autmobile insurance with the XXXX XXXX XXXX XXXX who I have been insured with since XX/XX/XXXX. This transaction was in XX/XX/XXXX. The salesman, instead of calling XXXX to transfer insurance from the vehicle I XXXX in, apparently had a friend --?? who would give him " Proofs of Insurance '' so the dealership could issue license plates and register the vehicle. This friend fraudulently purchased insurance-which I never applied for -- with an insurance company called XXXX who remained on my Credit History and effected what I had to pay at the time I traded in the car I owned, bought at XXXX XXXX, initially financed through XXXX XXXX, and transferred without my consent to Ally Financial. When I traded in the vehicle I purchased resulting in an Ally Financial Account there was some comprehensive damage sustained when someone hit my vehicle while I was shopping at XXXX XXXX XXXX in XXXX, MI. I notified my automobile insurance company, XXXX, of the loss. When I traded in the vehicle, XXXX told me they paid off all monies owed to Ally as part of their payment of the comprehensive damage claim. I was told by Ally today they sold my vehicle at auction for $ XXXX- WHICH I WAS NEVER NOTIFIED OF THE ALLEGED SALE- I TRADED THE VEHICLE IN AND THOUGHT XXXX a/k/a XXXX XXXX XXXX XXXX XXXX XXXX , paid off any monies owed to Ally when I traded the vehicle in and purchased a new vehicle. Ally should not be reporting me as having a vehicle loan that was charged off. Firstly the initial sale was fraudulent, XXXX knew and when Ally assumed the loan from XXXX they should have known. Next I thought the Ally loan was paid off by XXXX when I traded the vehicle in to purchase a new car. I called XXXX today because I applied for credit and was denied because of the Ally loan adversely reporting. This reporting is wrong because the initial loan was fraudulent, and the balance was timely paid in full by XXXX. Please have Ally remove the adverse reporting to the three Credit Reporitng Bureaus-XXXX ; XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A