Date Received: 2019-09-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a victim of identity theft on XX/XX/2019 and I was robbed of {$530.00} in my checking account. This was through a XXXX/XXXX transaction conducted by a malicious unknown user and I reported this to my bank on XX/XX/2019. Ten days have passed and I have received a letter in the mail that Ally Bank will not be providing me a provisional credit and considers this a POS dispute. This dispute is a fraudulent charge as someone has stolen my debit card information and used it to make a purchase through XXXX/XXXX. Ally refuses to provide a provisional credit despite stating numerous times that this charge is malicious. Their reasoning for this is due to having a existing XXXX account and suggests I contact the merchant to resolve this issue. Again, this is a fraudulent charge and I have nothing to do with this merchant as this charge was not conducted by me. Ally Bank is taking longer than 10 days to investigate this charge and by Regulation E is required to provide a provisional credit through the remainder of this investigation. This is a provisional credit, which means Ally has the power to recover this money back from my bank account should they determine that a transaction is not fraudulent, which in this case it is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My FICO score has dropped substantially over the past three months. I see it on my XXXX XXXX statement. I caught it this month XXXX XXXX XXXX. I confirmed that XXXX has not reported me as past due today, XX/XX/XXXX. After they'd confirmed it wasn't them, I went to the XXXX website to put a fraud alert on my account and reviewed my credit report to learn that Ally Financial had reported a 90 day delinquency in XXXX of XXXX. I had a car loan with Ally and paid it off approximately 2 years ago and received the title to the car. I contacted Ally and their solution was to file a dispute with XXXX which they informed me will take up to 45 days to clear then I will have to clear it with the other credit agencies. I am floored that I have to risk higher interest rates and possible denial of loans for the next 45 days when it was their error and they didn't try to explain to me what caused their error. Their solution for their mistake is NOT acceptable and it leaves me wondering how many other people have had to deal with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27263
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
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: Dear Consumer Financial Protection Bureau, CFPB : XXXX CREDIT is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE ALLY AUTO FINANCE THAT IS FALSELY REPORTING DELINQUENCIES ON ALLY AUTO FINANCE ACCOUNT IN ERROR. I DO NOT OWE ALLY AUTO FINANCE {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO ALLY AUTO ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-ALLY AUTO BANK ACCOUNT. MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND ALLY BANK ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). I DO NOT OWE ally auto finance {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). Ally bank AND ally auto finance is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO ALLY AUTO FINANCE ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX CREDIT SCORE. Please have ally auto finance remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX-Tuesday, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, ALLY AUTO FINANCE HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. Sincerely and Respectfully, XXXX XXXX XXXX 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: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX due on XX/XX/XXXX. did not receive funds. Called Ally Bank on XX/XX/XXXX. Received funds on XX/XX/XXXX, short interest of {$21.00} ( 3days from XX/XX/XXXX to XX/XX/XXXX ( {$120000.00} x 2.15 % x 3 days )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. please have them delete this inquire they could not help me Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2019-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-12
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I paid off my lease early and made an overpayment. They will not refund the extra money and said they will put it as a down payment on my next lease. I paid of off 7 months early and asked them to refund the money, they wont. When I call customer service I get Foreign people that you cant understand and refuse to refund the money back. This company is horrible and should not be in business,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX my husband, XXXX XXXX XXXX, passed away in an accident and we had insurance on our vehicle, a XXXX XXXX XXXX. The insurance company, XXXX XXXX XXXX, paid the full balance of the loan directly to Ally Financial in XX/XX/2019. Ally confirmed the loan was paid in full via phone call on XX/XX/19. They advised during the call the loan would be removed from my credit report within 60 days showing paid in full. In XX/XX/XXXX, my cousin emailed them because the loan was still on my credit. I received no response she. Then, again on XX/XX/XXXX my cousin emailed them and still no response. I went to apply for a home mortgage and they informed me the Ally auto loan still shows on my credit as open now almost 6 months later. When I attempt to call Ally deceased accounts, I am hold for over 1 hour without anyone picking up ( XX/XX/XXXX ). I just want them to properly report my account so I can properly handle the passing of my husband. I hope this message can help me get this corrected. The XXXX insurance company was great and the information on their claim is XXXX. The Ally account that should be showing as paid in full is XXXX. The emails are available, please let me know if you need them Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 779XX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: on XX/XX/XXXX I attempted to transfer money from my account to a friend's account using XXXX and got notified that my XXXX profile was locked. I called on the morning of XX/XX/XXXX was told that it would be a short hold and at 40 minutes decided to take their option to leave a message for them to call back. Four hours later I still hadn't heard from them so I called back and was notified that the only way to get through was to wait on hold for 1.5 hours. I asked that they call me back. On the morning of XX/XX/XXXX I called back because I still hadn't heard from them. I was told that I would be connected in 12 minutes as soon as the office opened and get put on hold for a XXXX XXXX service line and nobody picked back up. I don't think there is any way to speak with Ally directly rather I get some proxy that is not capable of doing anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A