Date Received: 2019-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My sister in law lease a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX , XXXX. I was her co-signer and we signed the contract at XXXX XXXX XXXX. When the lease ended she decided to purchase the vehicle and went to XXXX XXXX XXXX where on XX/XX/2018 she signed by herself ( I was not needed as a co-signer ) the sale contract ( attached ). My sister in law received a letter from XXXX XXXX/Ally dated XX/XX/XXXX congratulating her for the purchase of the vehicle and giving instructions on how to create an online login to manage her account and make payments. She did so and made the payment. XXXX XXXX XXXX XXXX XXXX has been reporting the lease account ( of the same car which has been purchase ) as opened and with payments delinquent. I contacted them explained that the car had been purchased on XX/XX/2018 and that it was financed by XXXX XXXX/Ally and asked them to contact that department since it was XXXX. They told me that XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not the same company and are not related. They also told me that I had to contact XXXX XXXX/Ally and ask them to send the payoff or verify if they had possibly sent it with the wrong information which would explain the delay. I called XXXX XXXX Ally and they said that the payoff check was sent to XXXX XXXX XXXX. This confusion between these 3 companies has been damaging my credit and my sister in laws credit. Incorrect derogatory information has been reported and I feel disrespected and helpless as a consumer. A sales contract was signed ; a down payment check was cashed by XXXX XXXX XXXX ; the first payment has been made to XXXX XXXX/Ally ( account is current ) and yet XXXX XXXX XXXX XXXX XXXX is reporting the lease of the same vehicle as delinquent. Please help us resolve this very serious issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: # XXXX response from Ally Bank on this complaint should not be accepted by me or by cfpb. For the bank to hold my money for another 60 days after already holding it for over t 30 can't be allowed. This is a significant amount that is needed by me to pay bills and college tuition. What right do they have to hold onto my funds for up to three months depriving me of interest and access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I closed a CD on XXXX XXXX, 2018. I never received the money from Ally Bank. Repeated calls, completion of lost check form has not made a difference. I have been lied to several times. On three occasions I was told the check had been overnighted. Most recently I was told the money would be returned to my account and reissued. Ally Bank owes me {$200000.00}. No one at the bank has taken responsibility. My case number with Ally Bank isXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
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: XXXX, Car loan ( XX/XX/2018 ) XXXX XXXX, Car Loan ( XX/XX/2018 ) XXXX of XXXX XXXX, Car Loan Letters were written to the creditors to have the inquiry removed because no loan was secured and no vehicle was purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ally from XXXX PA unlawfully submitted a loan on my behalf. I never applied for a loan with them. ally claimed that they had incomplete information on my personal records but still reported to the major credit companies that I applied for a loan, that I never authorized. Without my authority and without ally having any information on me they gave the credit bureaus fraudulent information against me. They sold my information to credit companies. They hired staff to harass and stain my credit history. ally is in the business of selling fraudulent information. the letter enclosed proves it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I financed a new XXXX XXXX XXXX through Ally in XX/XX/XXXX Payments did not begin until XX/XX/XXXX. I have included my personal bank account statement history to show all of the payments made to Ally. I have also included my online account through Ally showing the payments and dates the payments from my bank went through to Ally. Finally, I have also included the accounting statement from XXXX in the XXXX XXXX for Ally. It is quite apparent my payments have not been applied correctly and according to the Federal Accounting Standards. I have been consistently ahead on my payments, month after month, since XX/XX/XXXX. I had one late payment in XX/XX/XXXX but was still paid ahead. One can see how much I have paid ahead on the accounting summary in the Pmt Due ( payment due ) column. The problem in the accounting on my account occurs in XX/XX/XXXX. My Pmt Due was {$15.00} while the monthly scheduled payment was {$470.00}. This means by this time, paying over every month had put me ahead {$450.00} ( {$470.00} - {$15.00} ). I paid {$500.00} on XX/XX/XXXX, putting me ahead {$480.00} ( {$450.00} + ( {$500.00} - XXXX ) ) for the XX/XX/XXXX payment. Instead of making my payment due for XX/XX/XXXX {$0.00} and applying my {$500.00} payment made in XX/XX/XXXX, Ally added the {$15.00} I owed in XX/XX/XXXX to the XX/XX/XXXX payment making my payment due {$480.00} by XX/XX/XXXX. My {$480.00} disappeared. I lost my car to flooding during Hurricane Florence on XX/XX/XXXX. When I logged on to my Ally account to make sure my XX/XX/XXXX payment was covered, my account showed {$0.00} payment due. I knew I was ahead over a full month 's payment so I cancelled my online automatic payment and verified through my online account. I tried to log on to my account the end of XX/XX/XXXX to make sure my insurance payments were going through appropriately, but my account was closed. To this day, Ally insists I still owe them money. The last notice I received of payment due was XX/XX/XXXX for {$87.00}. Ally has been taking monthly scheduled payments out of my insurance settlement to continuously apply funds to finance charges even though my insurance company ( XXXX ) sent payment on XX/XX/XXXX ( I have attached the payment confirmation ). Ally owns my GAP insurance company, and the accounting statement somehow shows GAP was paid the day after my total-loss claim and over a month before my insurance settlement was paid. I have tried to communicate with XXXX who provided me the accounting document. He interrupts me, tries to give me bogus reasons for my account being wrong, and has hung up on me after me asking him to not interrupt me so I could explain my problem. I would really appreciate help with this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28443
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I opened an account with Ally Bank a few years ago, and had only used the XXXX that they provided me with once. It turns out that my XXXX and only usage was with a company that never shipped me my goods. The transaction date was XX/XX/XXXX, and the date I reported this to Ally Bank was XX/XX/XXXX. XXXX 's website for chargeback indicates a 120 day period, but the letter I had received from the bank states, " Our research indicated that the transaction was authorized. The transaction is out of timeframe allowable by the XXXX to initiate a chargeback to the merchant to recover the funds. Please contact the merchant directly for further assistance. '' I have contacted the merchant quite a few times prior to performing the chargeback, and I have sent proof of this to Ally Bank. When I contacted their customer service department, all they could do is repeat what the letter says about the transaction being out of the timeframe allowable - but they could not tell me what that specific timeframe is. In fact, she told me to do a web search if I wanted to know. As Ally Bank does not care about their customers being scammed, I will no longer bank with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
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: For the past year, I have been working hard to get information that is being inaccurately reported off of my credit. I have called hundreds of times to credit agencies as well as creditors with no resolve. The statuses of my accounts are completely wrong to where the accounts are negatively impacting my credit score. I have contacted the companies directly on various occasion via phone, I have disputed online, and I have contacted the credit bureaus and all I am being told is to contact the other companies. This has been done numerous times with no resolve. It is at a point now there I had to enroll with a credit repair service in order to handle all of the work that it has taken to handle the dispute process surrounding these incorrect items. It should not be this hard to update inaccurate information. There are quite a few of my accounts currently in dispute for the 3rd and 4th times around ( possibly more ) because the companies are not accurately investigating these disputes. The turnaround on some of them is 2 days after the dispute is entered. For instance when I called XXXX ( XXXX XXXX ), I was told that the system automatically chooses the last dispute results. Sadly, this has been the case with many of my disputes. They are not being taken seriously or properly investigated. XXXX XXXX- I have been removed as an authorized user as of XX/XX/XXXX verified by various calls to XXXX XXXX with the most recent this month and it is still reporting to all 3 credit Bureaus. They refuse to send the electronic verification to the bureaus. XXXX XXXX is reporting 60 days late XX/XX/XXXX and XX/XX/XXXX on all 3 bureaus. I added a payment account via phone with a representative. The rep. inaccurately entered information. As a result, payments were returned from my old bank account but I was never notified by XXXX XXXX that my payments were not being made. In doing research on this company, it was found that this is one of their predatory lending practices. The card remained open until I was able to close it with no penalty. XXXX XXXX is reporting 120 days late to all Bureaus, I called to have this account closed. Was under the impression the account was closed. It was not. Therefore the continuing of billing kept going. When I looked at my credit report one day, I saw 120 days late and opted to call the company and this is where I learned the account was still open. I dont even understand how they allowed the account to go 4 months with no payment and no contact to me. It remained open for 2 months following in order for me to pay the balance down. I then closed the account completely. Only to find that the account was still open so I had to call back and have it closed again. XXXX XXXX XXXX also has inaccurate late payments reporting to all Bureaus. XXXX, XXXX, and XXXX refuse to update these account statuses which have been pending investigation for months : XXXX ( discharged in Chapter XXXX ) I have no further dispute with this outcome. XXXX ( discharge in Chapter XXXX ) I have no further dispute XXXX has no status. Ally Financial ( on all 3 reports ) was included in my bankruptcy and therefore should not be reporting the late payments for this account as they are still looked at as a factor in my current credit profile. Only the high and low balance should be reported. XXXX will not update my name. I have sent my Florida Drivers License to the credit Bureaus as well as the company associated with the incorrect name. They refused to remove the name XXXX XXXX. I have never gone by that name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ally Bank freezes my account on XX/XX/XXXX and they ask me to email them my identity document to their email address at XXXX. Then I emailed them my XXXX passport, my US driver license, and my utility bill. Three days later, they told me they could not verify my identity and they had to close my account. That decision is fine for me so I ask them to return the funds in my account which is more than {$24000.00}. But they told me they need some time to investigate my account. After they confirm all funds are legal, they would close my account and return the funds by check. Now, it is XX/XX/XXXX more than one month later. I still did not receive any check. I called them this afternoon, and the customer service said since they still could not verify my identity, so they would not return the funds!!! They would keep them because they thought I was not who I am!!! That is just totally ridiculous! I just need them to mail a check to the address on file. I do not know why they refused. I opened the account with that address, received the check book and debit card with that same address. They never doubt that address is not belonged to me. Now when I ask them to return a check to the same address, they think I am illegal. They doubt I am not myself. The address is on my credit file and the file related to my driver license. All the documents I provided are totally legal and real! When I open the account, they never doubt my identity. When they mailed me the materials including the checkbook and debit card, they never doubt my identity. After there were money in the account, they began to doubt my identity. At first, I trust them completely and provide all documents they required. I did everything I could, but right now, it seems they were cheating. I doubt this bank was using customer 's money to do their business. They extend the period for any refunds so that they could use our money longer. That is totally unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
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: On XX/XX/XXXX, I received a statement from Ally Bank that I had been denied for an auto loan when I went into a dealership on XX/XX/XXXX to receive financing. They had ran my credit with 3 different credit bureaus : XXXX, XXXX, XXXX XXXX. Ally Bank only reported my scores for XXXX ( 800+ ) and XXXX ( XXXX ). I was denied an auto loan based on my low innaccruate score from XXXX. When I tried reaching out to XXXX to dispute this credit score, I receive no response back and their phone line goes straight to voicemail during normal business hours. I called Ally Bank and they said they've never heard of XXXX before and that they usually go through XXXX. I believe XXXX is a scam credit bureau and I was denied approval for an auto loan due to this company and I have no way of disputing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A