Date Received: 2019-05-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2018 in the amount of {$420.00} my auto loan payment was due. I called the Auto loan company and they agreed that I could pay past the 30 days and as long as it was paid before 45 days it wouldnt be reported as a late payment. I tried to reach the creditor and credit bureaus but no resolution was met. It still reflects on my credit score as 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am trying to get a XXXX with 0 % interest but the auto dealers who are middle men between me and finance companies try to cheat me. What are the requirements to get 0 % interest? Without the dealer making extra money from points off my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Without proper and immediate notification from XXXX XXXX XXXX that the legally binding written and signed purchase and financial contract with the listed vehicle identification number, and the vehicle we agreed to purchase, finance, and were in current possession of, was not the vehicle that was purchased and financed. On XX/XX/2018 we were notified via text message by the business manager at XXXX XXXX that there was additional paperwork to be signed that had been overlooked when we had purchased the vehicle on XX/XX/2018. When asked what was going on and why we needed for come down we were told it was a simple mistake in the computer stating the wrong vehicle, but that the paper contract was correct. We were told that the only problem was a simple ; one wrong number on the VIN in the computer, and all the financed and contracted information were correct on the original that was signed on XX/XX/2018. We were told there was no need for a new paper contract, and once we signed the tiny black signature pad everything was a done deal. When specifically asked why we were unable to see or read anything we were told that there was NO NEED, since we already did that with the paper contract that we went over and agreed to and signed originally. It was not until XX/XX/2018 that we were texted again and asked to come down as we needed to redo a paper contract for the vehicle. I was assured it was No Big Deal. We at this point were quite concerned as we were told that this was not needed and had already been verified with Ally Financial. I was upset at this time as we had attempted to get the plates on the vehicle, and were told that the vehicle we were driving was not owned by us according to the DMV, and could be considered stolen or illegal with assumption that the VIN was not the vehicle listed as to be in our possession. When I asked about what the NO NEED TO READ information that we signed on XX/XX/2018, and why we are having so many problems in regards to this purchase agreement we were again not told the entire truth and our concerns were disregarded as if we were overreacting. In the mean time I had attempted to obtain prequalification for a home that we wanted to place an offer on for purchase, and upon pulling our credit at the XXXX XXXX XXXX we were called, and notified that because we had purchased two vehicles within a couple of weeks of each other there is no way that we would be able to pre-qualify for a loan now. I then called Ally Financial and was notified that we had two separate loan accounts one for a XXXX XXXX 2018 and a XXXX XXXX 2018. I was devastated as we had been working on credit building and proving financial worth for 2 years, and when I called the business manager again I was treated as though I was overreacting and he had no idea how that could even be possible. The home ended up selling and we missed our chance, and also was denied on a current small business loan that I had been working on for over a month ; putting together a small business plan for my medical practice. I had to ask my parents to do the financing as I could not wait for this mess to be figured out. I attempted to make the truck payment as listed as due on XX/XX/2018, and was unable to do so as the listed account was for a XXXX XXXX that had a payment due, and the listed XXXX XXXX would not allow payment. It was not until XX/XX/2018 that the paper contract was signed at XXXX XXXX with notification that first payment would not be for the standard 45 days, and we were also told that again nothing changed so our written contract was correct, and the two paper pages were the originals to be sent to Ally. It was then on XX/XX/2018 that we noticed that we had the incorrect second key FOB and owners manual which was even more upsetting and suspicious. It was then on XX/XX/2018 that I attempted to make a payment believing that would be my first payment as told, and I was notified that I am 30 days past due. I was devastated as the payments are {$1600.00}, and there is no possible way that I could just come up with the extra. I did make the payment and wanted an investigation with Ally, and they just kept telling me my problem rests with XXXX XXXX, and when I would call XXXX XXXX I was told my problem was with Ally. I attempted in the excess of 10 times to speak with XXXX XXXX, leaving messages with no response, and Ally refused to correct the information acting as if I was lying about the situation. When XXXX came I made a payment in the hopes that it would be corrected only to find out that I was reported as 30 days late again, and was pretty much continuously told to make the account current which was financially impossible to just come up with that extra money like it was no big deal. It has been a continued arguments and fights since then including being unable to even continue to have accounts with other medical suppliers, personal and business accounts etc because of our credit report and score. This vehicle purchase, that we thought would help our financial worthiness, has instead destroyed XXXX and me financially. This has resulted in an extremely upsetting, financially ruining, and very costly experience with the XXXX XXXX XXXX dealership regarding the incorrect VIN, initiation of a faulty binding legal contract regarding the purchase of the vehicle and financial acceptance and responsibility, and your financial team changing without agreement and prior knowledge the original purchase and financial acceptance agreement with XXXX XXXX and Ally Financial, therefore leading to loan default and incorrect reporting to credit agencies resulting in current financial ruin and personal financial self-worth. We are requesting compensation from XXXX XXXX XXXX for our losses including acquired financial loss, acquired debt, and verification of inaccurate information as reported to the furnisher ( Ally Financial ) and the CRAs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59701
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Since the inception of the loan my payment has been XXXX. I have made a payment of XXXX and was barely informed it is supposed to be XXXX and I have been getting charged a XXXX fee for paying it late?? I have never been made aware I was late and getting charged for it. Since the first payment was made in XXXX I have been paying more than I should have-XXXX. I have made 49 payments on a 72 payment loan. I would have loved to have been informed I was making extra payments to a late loan. I have attached an earlier statement from as late as XXXX that reflect no late charges. And then all of a sudden my payments are the same and there is a XXXX late charge on it. I attached a late statement reflecting that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I do not recognize this inquire Please remove it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have submitted a previous dispute ( XXXX ) and now have been advised by my attorney to enter this final dispute before I file a motion with the courts. Ive also attached a copy of the Law contract that clearly shows that I wasnt the Co-signer/Maker. This signer was a XXXX XXXX Only. This XXXX XXXX was sold in XX/XX/2012. The last payment was made by XXXX XX/XX/2012. In the complaint filed above the Creditor attached a Third Party Guaranty, It was written by hand, listed no Vehicle Identification Number, and never disclosed. This negligent reporting behavior by Ally has been detrimental to me personally since the destruction of my property in Hurricane Irma, Ive been denied credit and/or have incurred higher interest rates due to the inaccurate reporting. Ive made many attempts to clear this from my personal credit file but Ally continues to manipulate the last payment date, account number, and the amount by {$1.00}, I have 24 months of documentation from all 3 CRAs showing this abuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize XXXX XXXX to pull my credit report on XX/XX/2019 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
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: Ally bank took over GMAC. XXXX I paid off my 2009 XXXX early as I purchased it in XXXX brand new from a dealer in Idaho. I have copies of my last 9 checks and they are made out to Ally Bank and cashed/deposited to Ally Bank. I have called Ally bank 9 times and they refuse to give me my lien release. They say only the dealer can be sent the title when I in fact paid directly to Ally bank. They have sent me 4 letters they say I paid off my car. That is not enough for the state of Montana to change the title. The state of Montana needs an actual lien release. Through my 9 phone calls I was told only the dealer could be sent the title. Which they had some dealer in North Carolina as the dealer when in fact I bought the car in Idaho. They lie to me and tell me they are sending the lien release when in fact it is not, it is the letter stating that I paid off my car-four times they lied and sent me this letter. I started this process on XX/XX/XXXX and it is now XX/XX/XXXX and they are still being dishonest, in error sent my title to someone in North Carolina and I have no options as they will not help me at Ally bank. They are required by law to send me a title released of the lien and a lien release to the state of Montana. Which they have done neither and are breaking the law. They are also required by law to assist me when I paid them off and they are not. I have gathered I am not the first to struggle with Ally bank in this regard. Many have had to retain a lawyer to get a simple lien release. It is has been almost 7 years and they have 90 days to get me my title/lien release and they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 596XX
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out to Ally financial, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX to explain that these negative accounts that are showing on my credit file are fraudulent and do not belong to me. I have provided information like police reports showing I'm an identity theft victim. I also have provided this information to XXXX, XXXX, and XXXX as well. XXXX is the only agency reporting this false information at the time and has been providing me with same result time after time with no paperwork for validation but yet saying that it has been verified. These accounts are showing opened from XX/XX/2014 to the present with amounts from around {$200.00} to {$19000.00}. I would like for these accounts to be removed immediately because they don't belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Re : Hard Inquiry/Unverified on my behave. I recently checked my credit reports : XXXX, XXXX, XXXX. I have one Hard Inquiry was made by Company on XXXX XXXX,XXXX.Ally Financial : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have called Ally Financial XXXX XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted 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: 94501
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A