Date Received: 2019-07-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ally Financial Contacted me at my place of employment about a debt owed XX/XX/2019 early afternoon. I advised agent that they were contacting me at a place of business and requested the company not contact me at work. Agent advised would remove this method of contact at my employer and would call me on my personal number. XX/XX/2019, Ally Financial contacted me again at my place of employment. I advised I had requested this method of contact to be removed and repeated that this was a place of business and to please remove my employer number as a method of contact.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report has 4 hard inquiries from XXXX. I do not recognize them at all. I am not sure why they are there and I would like them removed as it is negatively affecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have tried sending money to my wife 's bank account as I do every month with success. This month it gave me an error, as it is through XXXX, it should be fast transaction. But instead there was an error and the payment was cancelled. I did the transfer one more time, just in case it was just my phone. That one was cancelled too. Instead of giving me back the money or sending it to my wife 's account, the money is just missing. Well, I have called Ally bank every other day to report it but they refuse to make a claim or report it. They want me to wait a few days to see if the funds get returned to me. Well it's been past the allotted time they told me to wait and now they want me to wait for another 14 business days. I don't have the funds not does my wife. I dont understand why it is taking so long to get back to me, after all, Ally bank never sent out the transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93706
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I sent a letter to Ally Financial to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing Ally Financial to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Ok On my credit report it shows two accounts for XXXX XXXX and a whole bunch of others accounts that were opened individually under my name, now I just recently went through a divorce so I didnt payed much attention to it because ex wife just picked up and left so I got left behind with all the bills, house, car payment and utilities so in the end I had to sell the house because ex wife wanted her part ok fine so I sold it, then I knew my credit was bad didnt found out it was that bad XXXX credit score so I spent about XXXX plus to bring it up to a XXXX with in 3 months, so now again slowly but surely is going down now I had to close down my business and relocate also because I couldnt afford now I have no money business is slow, and cant even afford my car payment, so I been monitoring my credit through XXXX for about 8 months now but I payed extra to have all 3 houses monitored got me a couple of secure credit cards and still is just like yea some of the accounts are gone and some just switched over names but still my total debt is XXXX XXXX dollars and now I really see that is exhausting as in theres no point on fixing my credit because someone did fraud on my credit and still are doing it, now if it wasnt because of the XXXX breach, I have accused two of my ex buddies XXXX XXXX also he was my ex employee, XXXX XXXX XXXX which he was an ex deputy and also denies of him doing fraud, I also suspect of ex girlfriend after my divorce XXXX XXXX XXXX or ex wife XXXX XXXX keep in mind XXXX worked for government so I know he knows access to programs which can reveal info or knows some of his friends, ex wife XXXX also can get a hold of sensative Info through her work because she works hand to hand with XXXX in a shelter home here In AZ called XXXX XXXX XXXX, and XXXX can also get info about loans and credit reports because she is a sells person for XXXX XXXX XXXX a car dealership here in AZ but what seems weird to me some how all the prove that I been gathering in the past 8 months is all some how connected with each other to all four of those people so Im praying to XXXX it wasnt them because then ive Wrongfully accuses innocent people but then if it wasnt them then who and trust me I have over 1500 pages of solid prove from wrong phone numbers to wrong addresses but they all were and still are affecting my credit which now I feel like Im drowning slowly with debt I didnt even open or had anything to do with keep in mind all of these have my SS number even though they deny it XXXX because ex wife used to pay my bills with obviously my own money, XXXX because I co signed it for a vehicle for him as a friend, XXXX because she did lived with me for about 3 months so she did what ex wife was doing and had access to my XXXX account i dont how but she did, and XXXX well I found paperwork in my desk of him trying to open up a car dearlership license throughout mi EIN now it could be all four and I have prove to prove it or it could be the XXXX data breach because why would XXXX paper on my XXXX report I dont care who it was I just want compensation, lost time, all the money that I have spent and time on credit monitoring services that theyre not just working I mean for my credit score to be at a XXXX again and me having no money to pay for my daily expenses I think is unfair and just wrong for anyone to mess and ruined someones elses life for either greed, envy, or retaliation so again thank you for hearing me out and I hope hearing back from you guys have a blessed evening
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am the cosigner on my daughters car with Ally Financial. In XXXX she broke her leg taking her out of work for months. She became delinquent on multiple accounts including this note. In XXXX the car was repossessed and she file bankruptcy to get her car back. She is under a repayment plan with her attorney to pay XXXX biweekly toward this car. The bureau XX/XX/XXXX is reporting my account delinquent 120 days even this month of XXXX but reported XXXX and XXXX current. Per the Metro 2, Unlike a Chapter XXXX, Chapter XX/XX/XXXX bankruptcy allows you to protect cosigners and joint account holders through a codebtor stay while paying off the cosigned obligation in your repayment plan. Ally has disagreed with this finding and is continuing to hit my score dropping by 38-40 point monthly. They have an amount. {$2600.00} past due as of XX/XX/2019. The account should only be delinquent for XXXX and XXXX prior to her filing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I scheduled my payment for XX/XX/XXXX on XX/XX/XXXX to be processed on XX/XX/XXXX via electronic debit as usual. After XX/XX/XXXX I at least received 13 calls that I've found so far between XX/XX/XXXX and XX/XX/XXXX, along with 2 written notices to make payment and several text messages requesting payment. I sent 2 chat messages advising Ally that I had already scheduled my payment and to kindly stop trying to contact me in early XXXX but the calls and texts kept coming. I escalated my frustration at this harassment and got a call from Ally on XX/XX/XXXX, I returned the call leaving a voicemail on XX/XX/XXXX and haven't gotten a response. They clearly have issues either recognizing payments that are scheduled or just are intent on harassing people, either way, it's highly unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
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: I have a loan with ALLY FINCL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( XXXX XXXX ) with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RE : ALLY FINACIAL INC XXXX. XXXX XXXX XXXX, MN XXXX RE : INACCURATE REPORTING TO CREDIT REPORT TO WHOM IT MAY CONCERN : I RECEVIED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS. HERE AS FOLLOWED ARE THE ITEMS IN ERROR : THE FOLLOWING INQUIRES NEEDS TO BE REMOVED : CREDITOR NAMES : ALLY FINANCIAL IN CREDITOR DATE OF INQUIRES : XX/XX/2018 & XX/XX/2018 2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A