Date Received: 2018-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: my credit report was obtained from the following companies without my authorization and is causing extreme damage to my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for ONE CAR LOAN and they ran my credit several time with out my permission and for cars Ive never asked for!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I dont recall ever doing any kind of business with this client. They have made three unauthorized inquiries on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Reason : Company broke arbitration clause in the contract and sold vehicle without proper notification. Company placed charge off on credit report before vehicle sale was complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I tried to make a payment and miscalculated over by {$200.00} on XX/XX/XXXX. I've since, 12 days later, have not had the error cleared with that credit card payment attempt with XXXX bank. I have pursued resolve with both XXXX and Ally and I still have no solution. Both banks blame each other. XXXX says they're waiting on Ally to finish their job with the fed reserve for the fed to send back the error. I asked Ally to fax XXXX, which city at first said would help, and later said would not. Ally though, said they won't, and to use my email letter I received. I have since used the letter to fax to XXXX. Ally said they'd forgive my error and return my {$25.00} overdraft fee. They did do that, then somehow, insanely, have RECHARGED me {$25.00} two more times. This is insane.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Many hard inquiries that I have not submitted for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession. Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle. The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle. I spoke with a representative with Ally and made very clear which documents I was requesting on two separate occasions but attached is all that I received. In addition, the request was received by Ally on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had. In addition Ally has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances. I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX, and XXXX didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account. This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30606
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize this credit check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2018-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello On XX/XX/2018 I had a car accident. I was out of work for over 5 weeks. My car was declared total lost. on XX/XX/2018 I had made a payment in the amount of {$430.00} to pay for my XX/XX/XXXX payment. Irregularities. since my car was declared total lost I was waiting to see how much insurance company will pay and Gap Insurance. I never heard anything from Ally at all. My Gap insurance denied the claim because I had skip 2 payments due to Natural disaster hurricane Irma back in XXXX ( I have never been late ). I'm looking at the account online 4 months later and now the account is back online Which they had taken access away since it was a total lost vehicle. Now is back online and it says I'm 6 late. this was on XX/XX/XXXX I notice this. I immediately call Ally to make a payment arrangement and they say there is nothing they can I do that I have 4 more days to make a regular payment. Then they transfer me to another department ( XXXX ) and this department offer me an settlement of {$690.00} on XX/XX/2018 at the time I did not had the money in my bank account therefore I told them let me gather the money I will call back. Now they are telling me that I do not qualify and that they don't do that even when they see in their system the comments on this day by their own repetitive. also the Irregularities of this company and I need an explanation of all the transactions they have posted to this loan after XX/XX/2018. The company is showing on XX/XX/ a Unpaid balance reduction of {$550.00} then on XX/XX/2018 a payment of {$17000.00} then they reserve the payment of {$17000.00} ( this was the insurance payoff ) then they reserve this payment on the same day XX/XX/XXXX and posted a payment for {$870.00} then more reversals etc. when my last payment was received XX/XX/2018 {$430.00} since my accident was XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2018-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: According to the statute of limitations in Maryland this account should not show on my credit at all. 3 years has past And the account and balance should be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A