Date Received: 2017-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from Ally Financial.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. I have attempted to dispute this with XXXXXXXX, as the creditor has once again revised dates, substantially changing the reporting. XXXX refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ally continues to call me at my place of employment looking for my spouse. I have informed them from the first call that this is the incorrect number, this is my POE and to remove the number from being called, yet calls continue. I have been called 3 times on XXXX XXXX,4 times on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX, a final decree of divorce was filed to finalize the divorce between my ex-spouse and I. On page 8 of this decree, it states I, the defendant, be held harmless of financial obligation of the XXXX XXXX. I cosigned an automobile loan for the XXXX XXXX on XX/XX/XXXX through Ally Financial for my ex-spouse. The financial obligation for the XXXX XXXX was neglected by my ex-spouse and was eventually repossessed from him. After repossession, Ally Financial determined a {$6500.00} balance remaining to be paid. I have spoken with Ally Financial on multiple occasions since the start of my ex-spouse neglecting loan responsibilities. I have also submitted documentation including a copy of my original decree of divorce to Ally Financial and the credit bureaus without any resolution. I have requested the repossession be removed from my credit report as well as the remaining balance of {$6500.00}, which is currently showing a charge-off balance of {$6500.00} on my credit report. With my most recent communication with Ally Financial, I was advised that the {$6500.00} remaining balance is still my responsibility and they will continue to act as so even with my diligence in updating my ex-spouse 's information for resolve, as this loan is no longer my financial responsibility. I have given up on communicating with Ally Financial, after being denied multiple times in my request ( s ) to stop mail, phone calls, continued attempt to collect a debt, etc. from coming to me. I have consistently and diligently called with updated information in my ex-spouse 's whereabouts in an attempt to point them in the right direction for any reconciliation in regards to this delinquent automobile loan. I have now filed two disputes with the credit bureaus since the initial repossession of the XXXX XXXX, also without any resolve. I have attached a copy of my decree of divorce as well as the most recent copy of my credit report obtained through XXXX on XX/XX/XXXX and the Investigation Results Summary letter from XXXX advising me that Ally Financial has verified and updated my account and they were unable to resolve the dispute regarding the XXXX XXXX auto loan. I have attempted to locate copies of letters that I have received from Ally Financial to collect in this debt, however, I was unsuccessful. I did not keep any copies for my records and I was unable to generate copies from their online portal. Please review my complaints and documents and let me know if there is any other information I can provide in assisting with resolving this ongoing adverse account dispute. If there is not anything that you can do, I would greatly appreciate any feedback that you may have in resolving this dispute. Any other ideas, avenues, or tips would be appreciated and welcomed! Thank you in advance for your time and diligence in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Narrative My complaint against ALLY BANK ( hereinafter Ally ) is very simple. The two pillars of personal and business interaction are : Due Diligence and Full Disclosure. In banking there is an added requirement : Fiduciary Responsibility. I believe that not only the actions of Ally in exercising undue domination over my fixed IRA CD deserves a preliminary investigation ; a written Ally response confirming that such control is a policy not published in disclosures, ( See Ally letter XXXX paragraph 3 ) ( Attachment 1A & B ) absolutely requires such investigation. The issues : I am required by the IRS to withdraw a yearly RMD ( Required Minimum Distribution ). Ive complied with this requirement every year from the time I reached 70 years. I had several IRA CDs at Ally as well as an online IRA Savings Account ( # XXXX ). The IRA Savings Account was the source of my RMD which I took in monthly installments. Until XX/XX/XXXX the program we set up was working just fine until we discovered that the FIXED IRA CD ( # XXXX ) had been shrinking beginning in XXXX XXXX. I can provide statements if needed, but it might be better to force Ally to prove the veracity of my assertions. On XXXX @ XXXX I called Ally and spoke with XXXX but no one could tell me why the FIXED IRA CD ( # XXXX ) was declining in monthly amounts equal to my RMD. Parenthetically, the RMD monthly amounts simultaneously stopped being deducted from the IRA Online Saving ( # XXXX ). One Ally representative went into the history of the accounts ( the IRA CD as well as the IRA Online Savings ) and could find no evidence of anyone redirecting the source of the RMD payments. This representative even went so far as to set up a case number ( XXXX ) for the Maintenance Dept. to research the issue. XXXX opined that this seems to be a systemic problem, a glitch. And she will research further. Let me digress for a moment as a long time collector for XXXX XXXX XXXX in XXXX, WA. I KNEW that among the top commandments we learned was that the notes in a file were to be so complete and so thorough as to allow any future review of the file to be as if the reviewer had written the notes themselves. Clearly Ally does not have a like system. Based on this I thought it best to follow up on the case number. On XXXX at XXXX I called and spoke with XXXX who revealed that it was Allys policy to take RMDs from instruments which had the lowest earning interest rate AND that I had not executed the Ally form which designates what account from which the RMDs are to be drawn. ( Ref : Attachments 2A & B ) I subsequently reviewed the Deposit Agreement as well as the Ally form and could find no reference to the policy or the place on the form for account designation!! On XXXX I sent a fax as well as a copy by U.S. mail ( Return signature requested ) ( Ref : Attachments A, B, C, & D ) advising Ally that despite a slight positive interest differential in favor of the IRA Online Savings Account ( # XXXX ) over the Fixed IRA CD ( # XXXX ) that they were to immediately stop exercising domination over funds which they did not own! Further, that the amounts taken from the Fixed IRA CD ( # XXXX ) were to be restored from funds in the IRA Online Savings account ( # XXXX ). I put this in writing even though I had been told by representative XXXX on XXXX that a reversal of the monies was not possible because THE IRA CD WAS A FIXED INSTRUMENT!! Narrative ( continued ) Page 2 At this point let me summarize : Ally has a policy which they keep to themselves ( Ref : Attachment 1 again the underscored ) to contumaciously invade a fixed IRA CD to provide the clients RMD without any authorization just so Ally can take care of IRS requirements instead of the OWNER of the funds. Well, thank you Mr. Helper! You can bet that if Ally errs in connection with the RMD it will be the CLIENT who will take the hit from the IRS. Finally, I spoke with XXXX XXXX XXXX XXXX as well as XXXX XXXX ( where I and/or my husband have personal as well as trust accounts ) re the ability of withdrawing RMDs from an IRA FIXED CD. Both agreed that it could be done BUT solely on the initiative of the account owner. I believe that Ally has unlawfully arrogated unto itself the decision over which account is to be the source of the RMD funds. One can only guess what other secret so-called policies Ally is applying without the knowledge of the account holders. A preliminary investigation is clearly warranted to determine the scope of their domination AND if you deem it appropriate include the IRS because of the mishandling of my RMD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA. XXXX XXXX XXXXXXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98367
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore. They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a car loan with Ally financial. On XXXX XXXX, XXXX I started Receiving calls that but I was have to do 17 days. When I looked at my accounts I have made a payment every month on the same day at the same time. The first time I spoke to them they said that I had missed the XXXX payment and I did not the second time I talk to them they said I was behind on the XXXX payment which I did not. Final time that I talk to them they are saying that I did not make my original car payment or I did not make my payment a payment in XXXX of XXXX. The bank then does not know what payment Ive missed I feel as if they are deceptive practices to brew to put bad marks on my credit and to get extra money out of me. I also believe that my interest rate is not what I agreed to that is in my paperwork when I had signed at the dealership. Feel as if they have made an error and they are trying to make me pay for it with their deceptive practices. I believe they are in taking in the practices of credit report fraud with the statements that theyre telling me that I miss my original payment in XXXX and then the statement that they mean about me missing a payment in XXXX and just now notifying me XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-05
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: Ally has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2017-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A