Date Received: 2019-07-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I purchased a vechicle and due to this was our first car loan and we are self employed I couldnt get approved they took 3 months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped XXXX points help please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally bank sent me a check for XXXX so I cashed the check where I cashed it at called saying it came back and I owe fees for it being returned this place didnt contact me to tell me they canceled this check which is wrong!
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My checking account was overdrawn without my knowledge. The bank called my ex-husband and informed him. On XXXX, my ex husband was allowed to close the account without my knowledge and there for forfeiting the ability to recover over draft fees. When I discovered the closure I called, waited on hold for an extended period of time just to talk to someone who could not help. When I was transferred I was hung up on. I called back, waited on hold for over 10 minutes, again to speak to someone who was unable to help. I was then transferred to a supervisor, then a manager, who told me it would be investigate. After being on the phone for over 2 hours, I was continually told there was nothing that could be done to help me. I was interrupted when trying to talk multiple times. Told there was no one hire up to speak too. This is a dispute over {$50.00}, that's grocery money for me. I did not authorize the account closure, and I did not receive help fixing the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Had a vehicle loan with Ally in early 2016 for a XXXX XXXX. I entered bootcamp XX/XX/2016, prior to that had a billing issue with Ally which I was trying to correct with them. During the time I was in bootcamp, I received a letter from Ally notifying me of their intent to sell my vehicle, which they had repossessed over the {$250.00} billing issue. I have copies of the letter from Ally. In XXXX this year, I received a letter from Ally stating that the vehicle in question, had been " repossessed in error ''. They sold my vehicle and are billing me for the residual balance of the original loan. They sold my vehicle and repossessed in error and I should not owe them anything, they should owe me for the equity I had in the vehicle. I went to XXXX XXXX Assistance attorney who sent them a letter of representation and they have been avoiding sending the documentation he is requesting and not returning phone calls at all now. They have not sold this to collections, but the negative reporting is affecting my credit. I want this resolved and corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in many Louisiana. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I purchased the XXXX XXXX Teal dress ( Order # XXXX ) from XXXX XXXX XXXX for my brother 's wedding and the dress didn't arrive in time. I returned the dress on XX/XX/XXXX and under the return policy, I was eligible for a refund. When I reached out to XXXX XXXX XXXX to confirm that they received the return on XXXX, I didn't receive a response. I then filed a dispute claim with my bank, Ally. Ally said that they would handle the dispute, I just had to submit paperwork and copies of my correspondence with XXXX XXXX XXXX. I did that via email. Today XX/XX/XXXX, I received a letter from Ally saying that they closed my dispute told me to contact the merchant. I then called their customer service line who did not help me. They only told me that I would have to contact the merchant to provide further documentation. I contacted the merchant and they said that there's nothing that they can do and to contact my bank. I am tired of Ally refusing to help me with this issue that has been going on for months. I want my {$150.00} back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I XXXX XXXX and XXXX XXXX both has spoken with Ally Financial about two payments we made on our account to get it current. we was told the extra payment went toward the principal we never told them to place that extra payment toward the principal of the loan. We told them we made that extra payment to get our payments caught up. XXXX told us when you make a extra payment we place toward the principal and we told them no that is not correct I told them when I made the payment I was paying last month and this month they said ok. Know it is showing on our credit that we are behind on our truck and we are not. We have tried talking to them and they keep telling us they are going to fix it and they haven't it is still showing late it is hurting our credit very bad. this HAS BEEN GOING ON FOR 5 MONTHS every time I call them they tell me they are going to fix it they still have not fix it this is very upsetting that they would just tell me a bold face lie about they was going to fix it and haven't. I was calling them everyday and they say they are working on it that is a lie.
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: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Information and inquiries reporting on my credit that I have no knowledge of. I've been a victim of identification theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I had a Car Loan with XXXX XXXX XXXX with a rate of 3.49 % Then I got an advertising letter from " XXXX by Ally '' Company, they are broker company working with several creditors, offering me that I got pre-approval for a % 3.36. I got interested in the offer and claimed the new rate. On the Phone, the salesperson was so sure that I got the new rate with lower monthly payments. During our conversation, I evidently asked the salesperson that the new rate sounds so low, and asked how can it be. The sales person told me about different institutions having different financial situations and it is possible. I also asked about not to get hard credit check inquiries, and even if it is needed, I asked to have only with one. After clarifying those points, I decided to move forward. Hours later I got an SMS message from the company " From XXXX : Congratulations! The financial institution has approved your credit application Call XXXX for next steps '' Then I submitted all of my personal information ( SSN, Adress, ID numbers ..etc ) along with my car details ( Model, VIN..etc ) through their web portal as instructed at an approval email notice. Two days later, I got a phone from the salesperson, XXXX by Ally Company, and this time he told me that, Actually that credit has not been approved and there is one approved loan for % 4.50, and asked me if I would be interested in that offer! I was shocked! Tried to understand, why did they first approve me and now try to sell a higher rate, but never get any clear answer to that, and they told me that every approval was actually pre-approval, it was not guaranteed. Worse than that, when I checked my Credit report with Credit Bureau, I saw that actually, TWO hard inquiries had been done for two different creditors by this broker npt ONE. I did never get an answer for why I got an approval message and had been inquired two hard credit checks. I think they literally used that lower amount to get me in, run my hard inquire for two creditors, the actual approval was for the XXXX XXXX, and DECEIVED me as I got approval for the lower amount. I think this is a bait and switch scam. I want a complete settlement for this dispute Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My problem is with XXXX XXXX, I finance a car with Ally in XXXX ( XXXX ) I was in a car crash in XX/XX/XXXX, my car was total lost. I did purchase a umbrella insurance with my financial manager from XXXX XXXX, XXXX Pay his part, the umbrella insurance pay his part and XXXX XXXX have to return back to Ally finance {$860.00} to finish to pay the car. I be trying to get this pay sence XX/XX/XXXX. They keep telling me the check was send when I call Ally they telling me is not true, in XX/XX/XXXX Ally made a 3 way call with them and we are told check will be made the week, so ally told me if they dont receive anything in 10 days they will let me know. So I have to go back a couple times to the dealer, every time they send me to different people and they promise me to have the problem fix and after that this person never call me back or return my calls. 3 weeks ago mr.XXXX XXXX told me they send the check, and like always is not true. I request a copy of the check send and like before they are not taking my calls anymore. They told me I was responsible any way for my car payment, I understand that, I was never late in one car payment, but I was inform by the insurance not to pay because the dealer can not cut the check in my name they only can send the check to Ally finance. And Ally was suppose to send the rest to me, sence at the time was only {$410.00} left to pay to Ally. Because of this problem My credit report was destroyed and my father as my co sign. The only think I request is for XXXX XXXX to be more responsible and pay what the own. I do have all the paper work as proof if I need to send anywhere. And all the names of people giving me the running around at the dealer. Sence I have to work full time, I cant go to the dealer everyday. And when I do have time I get very mistreated, Mr .XXXX even told me he dont like people like me, I told him was very rude of him talk to me that way because he doesnt know me. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A