|
6447708
|
2023-01-17
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-17
|
| Complaint What Happened |
XXXX ally financial finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from unknown times same day by some one else
|
| Consumer Consent Provided |
Consent provided
|
|
|
10202952
|
2024-09-21
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6591180
|
2023-02-19
|
Managing an account
|
Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Savings account
|
| Date Received |
2023-02-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Misleading by bonus promotion enroll by XX/XX/XXXX fund new money by XX/XX/XXXX On XX/XX/XXXX transferred money from ally online savings to XXXX XXXX On XX/XX/XXXX ally sends me notice that if I enroll by XX/XX/XXXX I can receive up to a XXXX cash bonus and that if I am eligible I will receive confirmation. Which I did.
On XX/XX/XXXX ally sends me notice " nice work ****** you have been enrolled in our 1 % cash bonus program. Move new money into account by XX/XX/XXXX to become eligible.
On XX/XX/XXXX requested a transfer of XXXX to ally bank On XX/XX/XXXX ally received XXXX transfer deposit Ally bank has since claimed they are not going to pay me XXXX since the money I deposited was not new money. Why then, did they send me a personal email promotion and then following up informing me of my eligibility and acceptance.
Ally claim # XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
5637475
|
2022-06-06
|
Problems at the end of the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Problems at the end of the loan or lease
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Problem with paying off the loan
|
| Sub Product |
Loan
|
| Date Received |
2022-06-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I HAD AN AUTO LOAN WITH ALLY AUTO ON MY XXXX XXXX XXXX XXXX, WHICH I REFINANCED THROUGH XXXX XXXX XXXX IN XX/XX/XXXX. XXXX PAID OFF MY LOAN ON OR BEFORE XX/XX/XXXX IN FULL, WHICH ALLY CONFIRMED XXXX OFF BEING PAID OFF BY XX/XX/XXXX. ALLY AUTO STILL TOOK THE XXXX WITHDRAWAL FROM MY ACCOUNT OF {$850.00} ON XX/XX/XXXX. I CALLED ALLY ON OR ABOUT XX/XX/XXXX TO NOTIFY THEM OF THE OVERDRAFT ON THEIR PART AND THEY INFORMED ME THAT IT COULD TAKE UP TO 30 DAYS TO REFUND MY {$850.00}. IT IS NOW XX/XX/XXXX AND I DO NOT HAVE MY REFUND. I CALLED TODAY AND ALLY INFORMAED ME IT COULD TAKE UP TO 55 DAYS FOR THEM JUST TO RESEARCH AND APPROVE MY REFUND?????? AND THEN ADDITIONAL TIME TO REFUND THE MONEY. THEY ARE REFUSING TO PAY SIMPLE INTEREST ON THE LOSS OF USE OF MY OWN MONEY WHILE THEY DILLY DALLY REFUNDING MY OWN MONEY WHICH THEY WITHDREW IN ERROR. THEY LIED TO ME DURING MY FIRST XXXX ATTEMPTS AT CONTACT TELLING ME IT WOULD BE 30 DAYS, ONCE THE 30 DAY WINDOW WAS GONE, NOW IT XXXX PLUS DAYS. ALLY HAS RESTRICTED MY ONLINE ACCESS TO MY ACCOUNT AND I CAN NO LONGER OBTAIN MY STATEMENTS OR MY EMAILS TO THEM ABOUT THIS MATTER IN A DUBVIOUS ATTEMPT TO COVER THEIR TRACKS AT CONDUCTING BUSINESS IN BAD FAITH AND DEFRAUDING ME. I HAVE CONFIRMATION EMAILS ONLY SHOWING MY ATTEMPTS OF CONTACT, BUT THEY HAVE WIPED THE MESSAGES FROM MY ACCOUNT. ALLY 'S BUSINESS PRACTICES ARE SUBSTANDARD AND IN BAD FAITH AND ARE CAUSING ME FINANCIAL HARM DURING A TIME WHERE I AM OUT OF WORK DUE TO A MEDICAL CONDITION, FACING RECORD INFLATION, AND STILL HAVE TO MAKE A {$800.00} CAR PAYMENT NEXT WEEK TO ANOTHER CREDIT UNION, BUT MY MONEY IS BEING HELD CAPTIVE BY ALLY BANK. IF I DID NOT PAY MY LOAN ON TIME, ALLY WOULD CHARGE ME A LATE FEE, SO WHY AM I NOT ENTITLED TO INTEREST IN RETURN. I DEMAND THEY PAY 12 % MONTHLY INTEREST ON MY LOSS OF USE OF MONEY, WHICH IS THE STANDARD ITEREST RATE IN ANY LITIGATED MATTER, WHICH THIS WILL SOON BE IF ALLY DOES NOT GET THEIR ACT TOGETHER.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10627551
|
2024-10-31
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-10-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-31
|
| Complaint What Happened |
I received a copy of my credit report to find the following items to be incorrect ; which this account was fully settled on XX/XX/XXXX. According, to my records the information you are reporting on this account is inaccurate. I demand that you remove all information from my credit report immediately. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C. 1681 et seq., I demand that all items be investigated and deleted from my credit report. In the event you fail to verify this data, or fail to respond to my request altogether, the disputed data must be deleted in its entirety.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3810225
|
2020-08-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
874379
|
2014-05-29
|
Using a debit or ATM card
|
Bank account or service
|
|
| Issue |
Using a debit or ATM card
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2014-05-29
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-06-04
|
| Consumer Consent Provided |
N/A
|
|
|
1816196
|
2016-03-03
|
Using a debit or ATM card
|
Bank account or service
|
|
| Issue |
Using a debit or ATM card
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2016-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-03-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XXXX XXXX, XXXX my debit card was fraudulently used three times at a nearby ATM by someone who stole my card and pin numbers. I had never visited the ATM in question, and I notified Ally Bank within a few hours of the fraudulent transactions occurring on my checking account. Within a week, I had filed a police report with my local police station in XXXX, MA, and provided Ally with the police report on my transaction dispute forms. After a few more days, a detective at the police station called to let me know that they had a suspect that they believed had fraudulently used my cards. On XXXX XXXX Ally granted me a provisional credit for the entire disputed amount, and I believed the case was resolved. In early XXXX I received a letter from Ally stating that their research concluded that the disputed transactions were " authorized and correct '', and my provisional credit was reversed on XXXX XXXX, XXXX. Ally did not provide me with their research report, and indicated that they had not contacted the police department where I filed my report. I immediately followed up with the police department and the detective assigned to my case confirmed that they had not been contacted by Ally, and that they indeed had a suspect for my case. He also mentioned that it was part of a larger, multi-state FBI investigation. After many calls to Ally I was told that my transaction dispute had initially been escalated to the wrong department, and that my case would be re-opened. On XXXX XXXX, XXXX I re-sent my transaction dispute forms and police report to a different department at Ally. As of today, XXXX XXXX, XXXX, I have neither a provisional credit nor a timeline for resolution.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1160601
|
2014-12-17
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2014-12-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-12-18
|
| Consumer Consent Provided |
N/A
|
|
|
2860902
|
2018-04-01
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Billing problem
|
| Sub Product |
Loan
|
| Date Received |
2018-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-04-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.
|
| Consumer Consent Provided |
Consent provided
|
|
|
795714
|
2014-04-06
|
Managing the loan or lease
|
Consumer Loan
|
|
| Tags |
Older American
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle lease
|
| Date Received |
2014-04-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-04-06
|
| Consumer Consent Provided |
N/A
|
|
|
1733384
|
2016-01-08
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Tags |
Older American
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-01-08
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1735667
|
2016-01-11
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle lease
|
| Date Received |
2016-01-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2016-01-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have XXXX issues with Ally financial. First, I turned a a XXXX vehicle XX/XX/2015 and they finally sold the vehicle XX/XX/2015. They are now looking to me for a shortfall that they helped create by letting the car sit in their possession without any activity. I am told be several XXXX salesmen that the company makes a practice of this - letting cars sit, allowing for further depreciation and creating a larger shortfall than necessary - then they go after the lessees for the self-created shortfall. Additionally, Ally is calling my cellphone XXXX times a day without leaving a message. I think that is harassment.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1560746
|
2015-09-11
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle lease
|
| Date Received |
2015-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-11
|
| Company Public Response |
Company chooses not to provide a public response
|
| Complaint What Happened |
My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2941365
|
2018-06-20
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Checking account
|
| Date Received |
2018-06-20
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-06-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
10461377
|
2024-10-12
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2024-10-12
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
9908124
|
2024-08-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8215896
|
2024-01-24
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Auto loan generated 3 hard inquiries. Under the Fair Credit Reporting Act they were not for a firm offer of credit for therefore they should have been soft inquiries. Also contacted XXXX to remove the information but they stated they do not follow the Fair Credit Reporting Act and also refused to identify themselves other than XXXX. The inquiries are from XXXX XXXX, XXXX XXXX and Ally Bank on XX/XX/2023. These have negatively impacted my credit score.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9816767
|
2024-08-15
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
440177
|
2013-06-23
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle lease
|
| Date Received |
2013-06-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-06-25
|
| Consumer Consent Provided |
N/A
|
|
|
7837975
|
2023-11-12
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Ally Financial - XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9685571
|
2024-08-01
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-08-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10169765
|
2024-09-19
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2024-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
On XX/XX/XXXX we made a down payment with a project XXXX to finish our basement by XX/XX/XXXX. Prior to this he had presented us with several companies he works with that have licensed electricians, plumbers, mechanics, and contractors. He originally quoted us a price of {$17000.00} and provided us with an estimate outlining all of the work that he was going to do.
We paid him a deposit of {$9500.00} to finish the basement and based on additions to the project ( specifically, mini-split, a garbage disposal, sump pump, sprinklers ), he requested an additional {$9300.00}. For labor ( electrician, plumber, and XXXX ), we paid him an additional {$5300.00}. All together on this project, we have paid him {$24000.00}. All of these payments were made from my XXXX XXXX and XXXX account.
This complaint is specifically in regards to the transactions that occurred from my XXXX Account : XXXX. A {$9500.00} transaction on XX/XX/XXXX for a down payment and labor for basement ( Dispute XXXX ) XXXX. A {$2500.00} transaction on XX/XX/XXXX for labor that was incomplete ( Dispute XXXX ) XXXX. A {$2100.00} transaction on XX/XX/XXXX for sprinklers that never arrived nor installed ( Dispute XXXX ) The project XXXX submitted a building permit ( XXXX ) \ on XX/XX/XXXX to begin work ( approved on XX/XX/XXXX ), another building permit ( XXXX ) was submitted on XX/XX/XXXX ( stopped ) and a mechanical permit ( XXXX ) was submitted and approved on XX/XX/XXXX ). On XX/XX/XXXX, he arrived to our home and stated that by the end of the week he would bring all the materials to our home, the plumber would begin work, the electrical permit would be submitted, and he would sign a written contract that is aligned with our verbal contract and exchanged text messages. He did not follow through with the above and during a recorded phone call with me on XX/XX/XXXX, stated " I'll give you all the money back for the entire project '' if the expectations above were not completed by Wednesday, XX/XX/XXXX. We have not seen him since this date, though he texted us daily.
On Saturday, XX/XX/XXXX we told him that we would need a refund for the money that we prepaid him or we would contact the authorities, your office, and the media in hopes of preventing him from defrauding others. To date he has not paid us back. I filed charges with XXXX XXXX Police Department against him for giving false documents to a government official.
I contacted XXXX customer support on XX/XX/XXXX and disputed the charges listed above ( XXXX ), however they sent me an email on XX/XX/XXXX recommending that I would need to reach out to the recipient for payment. However, I had already done so and the recipients account has been locked on XXXX.
I reported these disputes to Ally Bank on XX/XX/XXXX, however I received a response on XX/XX/XXXX saying that they have completed their investigation and that the transaction was authorized and is correct.
I firmly believe that XXXX and Ally Bank are not protecting my interest as a consumer. I no longer authorize the above transactions and have been scammed out of money for goods and services that were not received.
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| Consumer Consent Provided |
Consent provided
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1198652
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2015-01-19
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Problems when you are unable to pay
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Consumer Loan
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|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
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| Company |
ALLY FINANCIAL INC.
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| Product |
Consumer Loan
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| Sub Product |
Vehicle loan
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| Date Received |
2015-01-19
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| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-01-19
|
| Consumer Consent Provided |
N/A
|
|
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1058635
|
2014-10-05
|
Managing the loan or lease
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Consumer Loan
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|
| Issue |
Managing the loan or lease
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| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
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| Product |
Consumer Loan
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| Sub Product |
Vehicle lease
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| Date Received |
2014-10-05
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
Yes
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| Date Sent To Company |
2014-10-05
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| Consumer Consent Provided |
N/A
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4490363
|
2021-06-24
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Was not notified of investigation status or results
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| Sub Product |
Credit reporting
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| Date Received |
2021-06-24
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-06-24
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
I was never late on this account.
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| Consumer Consent Provided |
Consent provided
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5069261
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2022-01-03
|
Closing an account
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Checking or savings account
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|
| Issue |
Closing an account
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| Timely |
Yes
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| Company |
ALLY FINANCIAL INC.
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| Product |
Checking or savings account
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| Sub Issue |
Can't close your account
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| Sub Product |
Checking account
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| Date Received |
2022-01-03
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| Submitted Via |
Referral
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| Company Response |
Closed with monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-01-04
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
N/A
|
|
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4672311
|
2021-08-30
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
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| Timely |
Yes
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| Company |
ALLY FINANCIAL INC.
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| Product |
Debt collection
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| Sub Issue |
Debt is not yours
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| Sub Product |
Credit card debt
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| Date Received |
2021-08-30
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-08-30
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
Consent not provided
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4227315
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2021-03-18
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Problem with a credit reporting company's investigation into an existing problem
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Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
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| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
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| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Their investigation did not fix an error on your report
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| Sub Product |
Credit reporting
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| Date Received |
2021-03-18
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2021-03-18
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
Consent not provided
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|
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3143193
|
2019-02-04
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
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| Sub Product |
Checking account
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| Date Received |
2019-02-04
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| Submitted Via |
Referral
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2019-02-05
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
N/A
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5459882
|
2022-04-17
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Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
ALLY FINANCIAL INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2022-04-17
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2022-04-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I do not like that Ally Financial gave my info to the 3 credit bureaus without my consent.
then XXXX XXXX shared my info on the credit bureaus.
All of the credit bureaus show that I am very responsible by my credit scores Also on my credit score, it states that the account with Ally Financial was closed, in XXXX of XXXX when in actual the repoed vehicle was auctioned off for {$9500.00} and they could have auctioned it off for much more.
Instead they decide to sell it in auction and sell the balance to XXXX XXXX and situations are very suspect.
I Just received a 1099c from Ally Financial stating that my balance owed is {$1700.00} dollars even though it is stated on my credit score on XXXX XXXX that the remaining balance is $ XXXX.
I called and spoke to a rep. name XXXX XXXX and informed her that the balance on the 1099c has the amount of {$1700.00} and asked what amount she seen on the file there. She stated that the amount on file is at {$11000.00}.
I asked her how can my XXXX XXXX beareau amount state {$11000.00} and her file states the same amount, but I received a different amount on the 1099c form?
The rep. of XXXX XXXX states to me that she doesn't know anything concerning a 1099c being sent to me.
I believe I am being given untrue info to lure me into paying the untrue balance on the 1099c form, then only {$1700.00}. would be taken off the said balance on the charge off amount, and once I start making a payment I will be liable of the remaining balance.
I have informed XXXX XXXX that it states on my XXXX XXXX credit score that the account was closed in XXXX of XXXX even tho the vehicle was sold at a auction years earlier. There are 3 credit bureaus and only XXXX XXXX has the charge off listed on it.
My rights were violated by XXXX XXXX. Ally Financial has not reported anything and my credit scores are very high and excellent on all 3 bureaus. I feel since there are two amounts stated that I am being lied to along with the credit bureau being lied to.
Never was I offered to to pay the {$1700.00} and the account balance at XXXX XXXX would be deleted and closed, so I truly know that is leading false info for me the start payments by falsehoods in writing on a misleading 1099c form which the rep. told me she has no knowledge of.
Since lies are being told on two different sources, that the account should be deleted.
XXXX XXXX is also sending the balances only to me and on the XXXX XXXX bureau charge off page, it states that the balance is a joint responsibility. My niece XXXX XXXX allowed the vehicle to be repoed and I gave the needed info to collect the vehicle from her job. There was no tracker on the car, and Ally Financial did not have any knowledge of where my niece lived or worked, so I made it possible for the car to be collected back to Ally Financial.
I have called Ally XXXX XXXX and received no answer. My phone number has been blocked. I called XXXX XXXX of XXXX XXXX after receiving the 1099c to let him know that the balance amount on XXXX XXXX bureau is the same amount of {$11000.00}, but yet on the 1099c it states only {$1700.00} but received no answer.
I feel to many lies are being sent to me in writing. but no phone calls are being answer.
Also why is the 1099c sent from Ally Financial, when it is stated on my XXXX XXXX bureau file that the account was closed in XX/XX/XXXX of XXXX and now I and looking at the amount due and it states XXXX so the amount of going up, supposibile by Ally Financail when my niece stopped paying on XXXX of XXXX and they auctioned off the car soon after. so why was the account closed in XXXX of XXXX and why is the envelope from the 1099c from Ally Financial if it was charged off by XXXX XXXX. Info is on my XXXX XXXX Bureau. but yet my scores are XXXX with XXXX and XXXX with XXXX and it is stating that I am approved of a car loan if wanted. Info from charge off is very suspicious.
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| Consumer Consent Provided |
Consent provided
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