Date Received: 2017-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unknown inquiry on my credit reports from Ally Bank XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or any account by this organization! Nor do I know who they are. Also, I have a identity theft report filed with my local police department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I purchased a vehicle on XXXX XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. Ally Financial, XXXX XXXX, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these XXXX hard inquiries are hindering me from doing so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have an bank account with Ally Bank and I have used the wire function of the Ally Bank. I have found the process to be extremely slow and have called up multiple times to confirm the wire amount and beneficiary with the Ally Bank Staff. I have spent hours on the phone dealing with Ally Bank staff and their wire department staff. I am very dissatisfied with the wire service they have provided and I kindly request that Ally refund me the {$60.00} I have been charged on wires.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On my all three credit bureaus show inquiries of almost 50.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: XXXX XXXX the vehicle was turned into the dealership where we purchased it, the lease did not end till the beginning of XXXX XXXX but they allowed me to turn it in early and under the allowed mileage, we did n't need the vehicle anymore. When the vehicle was returned I went over the vehicle with the salesman, and my father was present also. I made the salesman aware of the trim on the drivers side front door, the trim had begun to lift so we then went and got the body shop XXXX and he stated that they would be able to fix the trim and I agreed to pay for the repair before the vehicle would be given back to the lease company. The next day the body shop XXXX contacted me at my home and I paid for the repair over the phone with my debt car. Besides the trim on the drivers side front door the vehicle was in excellent condition and the salesman assured me that the lease company would give me no problems after they inspected it. So at the end of XXXX XXXX we receive a bill for over {$1000.00}, I called the lease company and the instructed me to go to their website and I could view the inspectors full report, I requested that they mail me out the report and all the pictures because my home computer was n't working, they refused on multiple occasions. I was able to view the report a few days later at my job and seen that they had also charged me for the lifted trim on the drivers side front door and they claimed that the tires were bad. There was pictures of the inspector measuring the tires, you can see in the pictures that the tires were measured on the outer edge of the tire, where the tread was the shallowest, in the XXXX, it is stated that the tires must be measured from the center or the deepest tread on the tire, which it was clearly not. The vehicle had XXXX miles on it and I do believe the tires were XXXX mile XXXX tires, and they had warranty on them. Of coarse I called the lease company after seeing this and they stated that there was nothing that I could do about it and I was just suppose to pay the bill. I also emailed them the online receipt 3 times for the trim repair and they claimed they never received it, the XXXX person I talked to, told me they receive thousands of emails a day and they just could n't find the one I sent them. Now the real kicker in the this is that the dealership where I purchased the vehicle from, bought the vehicle from the lease company, so I have pictures of the vehicle after the dealership purchased it and before it was for sale on their lot, and the vehicle is a XXXX out of XXXX, it still had the original tires on it and the trim is repaired. I once again called the lease company and explained this to them with no success, they did not want me to send them the pictures I had, all they told me is that I have no say in the matter and I am just suppose to pay the bill, I then stated to the lease company that I will be contacting my state attorney general about the matter and the lease company hung up on me. I then contacted my state attorney generals office and filed a complaint with them, I mailed them every piece of documentation we had and all the pictures, around the end of XXXX XXXX we then received a bill from the lease company for {$700.00}, so once again I called the lease company, because there was no explanation of why the bill decreased, I was told by the lease company that we received a good costumer discount, since we filed a complaint and I needed to now pay the new amount, I once again told the lease company that it was in the hands of my state attorney general and they hung up on me. The lease company has called my cell phone all hours of the day, they tell me that I am being recorded and that I am suppose to pay my bill, I then tell them that the matter has been turned over the my state attorney general and they hang up on me. I have spent hours on the phone with the lease company and have got no where. We are now getting harassing letters from them, threating to turn us over to collections. At the end of XXXX XXXX we received a letter from our attorney general, stating that they could n't get anywhere with the lease company and wanted to know if we wanted them to keep pursuing it, we mailed them the latest bills we had received and told them to keep on them. This lease company is the most difficult company I have ever dealt with. They are plain in simple trying to take advantage of us, I am tired of their threating letters and harassing phone calls, we did nothing wrong, we never missed a payment, never abused the vehicle and did everything according to the contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 585XX
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Without notice, my vehicle loan account with Ally Bank was transferred to a debt collection company on or about XXXX XXXX XXXX. The first information I received about it was a notice from the debt collector, XXXX XXXX XXXX, XXXX, demanding information about my vehicle and for me to acknowledge the debt. I then went to the Ally website and found that my account information had been deleted. I had recently discharged my bankruptcy case however my vehicle payments were up to date at the time I received this notice. I have since continued to send my monthly payments to Ally Bank. To this date none of them have been returned to me and I have received no contact from them about transferring the servicing of XXXX loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I would like to inform you that I continue to dispute the current status of the loan ( status=charged off ). On XX/XX/XXXX I disputed the status and the 3 month delinquency that was incorrectly reported to the credit bureaus, through XXXX. Ally Financial corrected the inaccurate delinquent payments it reported. Unfortunately I still do not agree and believe Ally financial had no legal right to charge of the loan. Letter dated XX/XX/XXXX from Ally was to inform me the loan was now charged off due to missed payments this information is incorrect furthermore Ive continued to make the monthly payments. Ally had no legal right to charge off the loan. They failed to conduct a reasonable investigation when verbally requested on XX/XX/XXXX with XXXX whom I was transferred to by another representative from Ally 's total loss department after contacting them at XXXX and assured me they would allow 30 days to attempt to resolve the pending GAP claim prior to charging off the loan ( documents have been included to show proof ) they provided inaccurate information about me to the credit bureaus and used fraudulent information in taking action to do so. My concern is that the lack of communication between departments or properly documenting pertinent information to be easily accessed among the different departments is resulting with substantial harm and inconvenience to its customers. Ally financial has violated provisions of federal Fair Credit Reporting laws by failing to provide accurate information reported to credit bureaus. On my last communication with Ally Financials Asset Recovery Departments on XX/XX/XXXX XXXX I was told by XXXX that the reason the loan was charged off was due to the deficiency balance after my Insurance company attempted to pay off the auto loan for payment amount Ally received and processed on XX/XX/XXXX if the details of that statement were accurate? why wasnt the loan charged off as of XX/XX/XXXX Instead Ally verbally confirmed the loan was charged off on XX/XX/XXXX. As I have not violated the terms of the loan agreement and the loan has never been in default why was the loan charged off?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91201
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2017-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XXXX XXXX 2017 I send XXXX to Ally Bank and I was supposed to received it today on the XXXX of XXXX and I called XXXX XXXX and they told me I was credited to my ally bank today on the XXXX of XXXX and I still have n't got the money yet ive been calling both companies and no luck on my money I have the tracking number for this money its XXXX
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A