Date Received: 2017-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.
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: 2017-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial accessed my XXXX credit report without my consent : Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX Ally Financial Inquiry from XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I DID NOT AUTHORIZE YOUR COMPANY TO RUN MY CREDIT ON XXXX XXXX.2017
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I leased my vehicle through Ally Bank. I setup my account on auto pay XX/XX/XXXX. Prior toXX/XX/XXXX my credit card had been compromised so I cancelled it and obtained a new card. I called Ally bank on the XX/XX/XXXX date to make sure they had the new card information so there would be no interruption of my auto pay account. I was told by Ally not to worry as the Auto pay was connected to my checking account. On or about XX/XX/XXXX I was sent an e-mail by XXXX XXXX stating that my credit score had dropped as a result of a 30 day late issued by Ally Bank. I called Ally bank and after two hours on the phone and 6 representatives was told I cancelled my auto pay on the XX/XX/XXXX date. Upon investigation it was determined Ally bank made the mistake of cancelling the auto pay. Further they never notified me of the cancellation of the auto pay or that it was delinquent. I am purchasing a home and am in effect homeless as I have sold my home in Arizona. I can not purchase a home until I resolve the Ally bank problem and have my credit score put back to where it was prior to Ally banks mistake. I have informed them of this with no result or action by them. it is my hope that you can help me resolve this issue. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off. XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A