Date Received: 2018-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. Ally is reporting to both XXXX and XXXX that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID. 3. Ally is reporting to both XXXX and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I went to XXXX XXXX XXXX looking to purchase a car with a credit score just over 700 and a single hard inquiry on report that was slated to fall off this year, when I left my credit would drop over 80 points and I would end up with more than 10 inquiries added to my history. Before I even arrived at the dealership, I made it known to the salesman, XXXX, that credit XXXX be an issue because of the high amount of student loan debt I carry, but more importantly - I also stated clearly and reiterated several times, that if it was going to be difficult, I could hold off on the car because I had been working diligently to boost my credit and stave off excessive inquiries - which I EXPLICITLY said I DID NOT want more of. I was assured they could work it out and would run it maybe twice ( by myself and with my partner ). That evening - unknown to me while they had me sit in a waiting area - XXXX ran my credit more than XXXX**6 times***. Never once letting me know they were having issues with lending and instead making it seem like they were just hashing out details with a single lender. I was approved by XXXX XXXX XXXX and left with the vehicle that night. On XX/XX/XXXX, 5 days after taking possession of the car with all trappings of ownership, etc., I received a text from XXXX XXXX of XXXX stating that the lender needed additional confirmation of income and some other details. After that call, I got a call from a financier at XXXX XXXX also confirming my information and asking questions. At this point in time I was under the impression that this was my lender I was speaking to. It wasn't. This same day, after the above communications, I received a credit alert, XXXX had run my credit another 5 or 6 times WITHOUT MY KNOWLEDGE OR CONSENT. I only knew because one of the several credit tracking apps I used alerted me to suspect activity. I reiterate 3 things : 1 ) I made clear in my initial interaction this was against my wishes 2 ) This is 5 days after I had already been approved by a lender. 3 ) I was not made aware by anyone at XXXX that this was happening at this time. I texted XXXX and XXXX letting them know this was not okay - no reply. When I reached out that evening to speak the dealership manager ( who now I'm not even sure it WAS the manager because everyt ime I've asked who I spoke with or who's managing I'm given a different name ), the " manager '' stated they were shopping for a better interest rate for me. I stated that this was without my knowledge, against my will, and asinine because I already had the car under the false pretense that everything was settled and done. He assured me the inquires would fall off in 30 days and this was standard practice. Needless to say, they did not. It has had a profound impact on my credit. As I slowly strategize my way out of suffocating student loan debt, I now have to take action on these minor things, that effect me greatly. They are small potatoes in comparison to other credit factors, but it's a big deal to me. So now, 3 months later, after walking into the dealership with a just above 700 credit score & 1 inquiry on my report that is scheduled to fall off this year, I have 6 - 14 hard inquiries depending on which report is pulled, and am fighting my way back up from a XXXX credit score as of XX/XX/XXXX. I called XXXX, the report which shows the most inquiries to dispute the XX/XX/XXXX inquiries, and was informed they could not, but I could work with the dealership and lenders to have those inquiries changed to soft inquiries. I immediately called XXXX, my salesperson, and was instantly frustrated as he repeatedly spoke over me and was only interested in his own defensive posturing. So the very next day I went to the dealership to sit down with XXXX, I re-iterated the situation, and she said she would work with their business office to get it handled. That was almost 4 weeks ago. I've followed up once a week every week since for an update and every week I get the same toothless response that she will email the biz office for an update, but I never receive a follow up. This is truly my last resort. Though I appreciate that XXXX is the ONLY person on the entire staff remotely feigning interest in helping get this resolved, it seems that I'm only being helped to empty gestures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting. Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed. XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Please reference complaint number XXXX When asked how this could be resolved I left out that I need to make sure my credit is restored and does not show late payments that they accused me of since they had lost my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
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: On XX/XX/XXXX I scheduled an online payment through Ally 's online portal for the full balance of my loan at that point {$17000.00}. On XX/XX/XXXXthe payment was updated and showed up as paid in full in my online account. After my account was updated online on Tuesday I requested a loan satisfaction letter and the lien release documents to be sent to me as soon as possible, they told me that since my payment was made online there is a waiting period of 10 business days before they can release the lien, they told me that the online payment is considered a non-certified method of payment and therefore XXXX requires a waiting period. That didn't sound right to me so I looked over the law and regulations and couldn't find anything related to that statement so on Wednesday XX/XX/XXXX I sent a new request for my lien release and loan satisfaction stating that the waiting period is unfair and that they should have actual brick and mortar branches if they, as an online bank, are not considering online payments as a valid method of payment, they again responded with the same excuse about their waiting period. Friday morning I received a notification on my personal email regarding a document that has been uploaded to my Ally online account, so I logged in and found the loan satisfaction letter including the VIN number as I had previously requested but had missed my husband 's name and my middle name was missed spelled. I couldn't reach out back to them on Friday but did it on Saturday, they apologized for the typo but said that they could not send me a corrected letter because their back-office team does not work on the weekends. I again requested the lien release to be sent out to me that same day since the loan had been paid in full since Monday!. I was extremely upset since their service associates kept on repeating the same things over and over again without providing any actual help. I requested to speak to a supervisor and was offered to have my lien release documents and loan satisfaction letter with my correct name sent out to me overnight for the week of XX/XX/XXXX. Today, MondayXX/XX/XXXX I reached out again to make sure the documents were being processed but as soon as a representative started looking at my account they came back with the same answer about the waiting period and that the lien will not be released until XX/XX/XXXX. At that point, I asked where in the law does it say that the lender is allowed to hold on to liens that have been paid in full for such a long period of time. The representative told me that it is not on the law but on their procedures, so I requested a copy of the disclaimer signed by myself where they explain this " procedure '' to me, and the representative said that they don't have such disclaimer. I asked the representative if what they were doing was illegal and she answered YES. I have been trying to get answers from someone at Ally who is actually capable of giving them and not just talking to call center staff members who have very limited training and no room to get off the script, but they refuse to get me in touch with anyone else. As a consumer, I feel violated and absolutely vulnerable to fall prey to this predatory lending practices that are completely against the consumer, is this discrimination? am I being a victim of a robbery? The CFPB and the office of the AG should look closely at this practices and make sure that the consumers know what they are getting into when they decide to transact with this shady institution. Now, I'm being left with a transaction that I can't conclude until these people from Ally come to terms with their procedures and decide to release the lien on my car. In the meantime, I have paid my loan in full and have no legal rights to transact with my car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX and XXXX report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such documentation. XXXX and XXXX are liable for the monterey fines as well for reporting unverified information. https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It is showing on my credit reports that Ally Financial did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Ally Financial responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX and XXXX. The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A