Date Received: 2017-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with ally financial on my XXXX report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. XXXX XXXX stayed both experian and ally financial were contacted and still not response. I have found ally financial to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. Anyhow the debt is required to be removed by experian according to FCRA due to ally ignoring the investigation and it still has not been done. My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. Ally did not respond so remove it!! XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mi XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48842
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please See Police Report Attached the person was CAUGHT AND CONVICTED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: OnXX/XX/XXXX, I wrote a letter to XXXX XXXX requesting they review my request for goodwill deletions for the 2 months that show 30 days past due on my credit. I was impacted by Hurricane Irma ( two large trees fell into the middle of my home and I was injured ) and am in need of securing a new place to live. Since those marks are older and I have not gone 30 says delinquent since then, I requested the delections. Unfortunately, I have a XXXX XXXX and can not talk by phone so I contacted Ally using the address they provide on their website. In response, I received a letter dated XX/XX/XXXX acknowledging receipt of my letter but it said if I do not call them by XX/XX/XXXX,, they will not respond to my request and will withdraw my inquiry. That poses an issue for me medically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to open an account with my jobs credit union and they told me that I could n't get an account with them. I looked on my XXXX and I have some accounts that are on XXXX as closed with cause. I looked and it was XXXX banks but XXXX different types of information. Ally Bank date closed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, I would like for this company to make the status just closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX XXXX, XXXX, I received notification via my credit alert service with XXXX that my credit had been run by Ally Financial. At that time, I pulled all three of my credit reports ( XXXX, XXXX & XXXX ) to see what had been done with out my permission. In deed, the XXXX XXXX had pulled my credit report. I immediately contacted, in writing, all three credit reporting agencies with the dispute. Then on XXXX XXXX, XXXX, I received a notice in the mail from the Ally Bank of the incident and also discovered that the Ally Bank also ran my credit through XXXX XXXX XXXX. NEITHER of these companies had my permission to run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Purchased a XXXX XXXX XXXX in XXXX of XX/XX/XXXX. My first payment to Ally Financial was {$300.00}. I subsequently made a lump sum payment of {$5000.00} in XX/XX/XXXX which they labeled a payment reversal which I intended to be a " principal payment '' on the loan. They applied this amount to the unpaid balance instead of the principal. My next monthly payment went up to {$310.00} after that for some reason. I never really noticed it until later on in the year that this was happening. Then, starting in XX/XX/XXXXmy payment amount suddenly went down to around {$280.00} a month but the actual amount taken from my checking account was {$350.00}. Again, i never noticed this and did n't ask any questions until i logged in to see what the interest rate was and to possibly refinance this loan with another institution. I started receiving statements that my next payment was {$270.00} and it was n't due untilXX/XX/XXXX. I had been paying {$350.00} for 3 years and had never been billed the {$270.00} as my statement read. Called them and they stated that I was paid up till next XXXX because I was overcharged every payment and, in reality was paying ahead. I never authorized this. I should 've been paying {$270.00} all along. i think my payments actually went up when I made the lump sum payment back when I first bought the car. With me being paid up untilXX/XX/XXXX I figured I would n't need to worry about the loan again until the next payment was due on the date I just indicated. I called to get the payyoff quote and I asked to make sure that I was n't paying finances charges every month until my next scheduled payment in XXXX XXXX. The lady stated that I WOULD be charged finance charges every month up until my next payment and she even quoted me the amount. How outrageous is this. I 'm being charged finance charges again on the amounts i paid up until XXXX XXXX again? I got fed up with them and requested the payoff and that I was going to have another financial institution pay off the loan but I needed ( according the other Financial Institution ) that I needed a document, with Ally 's Letterhead quoting the payoff amount ) She gave me the payoff amount and I gave a fax number where it could be sent. It 's been over a week and have n't received the letter and ( after what I 've been reading in the BBB complaints ) do n't expect to see this payoff document. I 've read some nightmare complaints with the BBB over these people and I can relate to their situation ( s ). I really do n't know whether to wait until my next payment date (XX/XX/XXXX ) and take my chances with the fraudulent finance charges or just pay the loan off today. I would have to come up with the money myself since the Finance Co. I checked into would not approve a loan without the official document from Ally. Note : I have been making monthly payments of {$350.00} since the inception of the loan and my statement clearly shows the monthly amount to be {$280.00}. Hopefully all of this makes some sense. I 'm at odds and have no where to turn. Thank you for the opportunity to submit this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I opened a checking account with Ally Bank in lateXX/XX/XXXX. But instead the Ally Customer Service representative whom took my initial call on the phone opened a checking and a saving account. After I made my initial deposit I received a debit card and checks. I never agreed to opening a savings account. Everything I thought was deposited in my checking account has been put in this savings account set up by the Ally Customer Service representative that took my initial phone call. My job ask that I send in a direct deposit slip from my bank. I went to my Ally Bank online account for this information and saw that I had a checking and a savings account. The saving account had my first deposit and the checking account had a zero balance. I immediately contacted Ally Bank by phone to question as to how and why I had a savings account. The explanation was unacceptable due to the fact I never agreed to this and I also asked Ally Bank to show me proof of my agreement to a savings such they did with the checking account. When the Customer Service representative stated there was no such document I asked that I speak to a supervisor. After I spoke with the supervisor he assured me this would be corrected immediately and also gave me a checking account # to put on the direct deposit slip that I was to send to my job. A week later, my job called me stating the direct deposit information could not go through. I called Ally Bank, the customer service representative stated that I put my checking account # in and the utilized my saving account routing #. I explained to her that I do not have a saving account and that this was supposed to be taken care of last week. Also, asked this customer service representative were there any notes placed in their system regarding me speaking to a supervisor. She stated yes that I had just closed out a checking account and that my savings account was the only account I had opened. She stated she would close out the savings account and transfer all funds to a checking account. I stated I did not and should not have a savings account to close out. She stated if I do not agree to closing the savings, I would have a new checking account and a savings account. I asked to speak to a supervisor. This supervisor contradicted the customer service representative by stating there were notices in this account that I was transferring from account for some time from my savings to my checking account. I told him I did not or should not have a savings account and that this was effecting me mentally as well as financially. I sent my job the new information that was given however two weeks later when I went online to see my checking account balance {$0.00} as well as an open savings account with transfer activity. I called Ally again immediately I asked to speak to a supervisor. He profusely apologized and stated the account was fixed but it has not been posted yet. Last TuesdayXX/XX/XXXX I sent Ally Bank a hand mailed check and my job posted my funds on XX/XX/XXXX. Today,XX/XX/XXXX they both have yet to post however the customer service representative stated to my money is there and the screen showing the money was not in my account disappeared.
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2017-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX/XXXX/XXXX Ally Financial XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2017-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently looked at my credit reports and noticed that Ally Financial XXXX .... reported negative marks 30,60 days late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 718XX
Submitted Via: Web
Date Sent: 2017-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A