ALLY FINANCIAL INC

2018-03-18

Gallatin, TN

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: 1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. Ally is reporting to both XXXX and XXXX that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID. 3. Ally is reporting to both XXXX and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-17

Tarzana, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/XXXX I went to XXXX XXXX XXXX looking to purchase a car with a credit score just over 700 and a single hard inquiry on report that was slated to fall off this year, when I left my credit would drop over 80 points and I would end up with more than 10 inquiries added to my history. Before I even arrived at the dealership, I made it known to the salesman, XXXX, that credit XXXX be an issue because of the high amount of student loan debt I carry, but more importantly - I also stated clearly and reiterated several times, that if it was going to be difficult, I could hold off on the car because I had been working diligently to boost my credit and stave off excessive inquiries - which I EXPLICITLY said I DID NOT want more of. I was assured they could work it out and would run it maybe twice ( by myself and with my partner ). That evening - unknown to me while they had me sit in a waiting area - XXXX ran my credit more than XXXX**6 times***. Never once letting me know they were having issues with lending and instead making it seem like they were just hashing out details with a single lender. I was approved by XXXX XXXX XXXX and left with the vehicle that night. On XX/XX/XXXX, 5 days after taking possession of the car with all trappings of ownership, etc., I received a text from XXXX XXXX of XXXX stating that the lender needed additional confirmation of income and some other details. After that call, I got a call from a financier at XXXX XXXX also confirming my information and asking questions. At this point in time I was under the impression that this was my lender I was speaking to. It wasn't. This same day, after the above communications, I received a credit alert, XXXX had run my credit another 5 or 6 times WITHOUT MY KNOWLEDGE OR CONSENT. I only knew because one of the several credit tracking apps I used alerted me to suspect activity. I reiterate 3 things : 1 ) I made clear in my initial interaction this was against my wishes 2 ) This is 5 days after I had already been approved by a lender. 3 ) I was not made aware by anyone at XXXX that this was happening at this time. I texted XXXX and XXXX letting them know this was not okay - no reply. When I reached out that evening to speak the dealership manager ( who now I'm not even sure it WAS the manager because everyt ime I've asked who I spoke with or who's managing I'm given a different name ), the " manager '' stated they were shopping for a better interest rate for me. I stated that this was without my knowledge, against my will, and asinine because I already had the car under the false pretense that everything was settled and done. He assured me the inquires would fall off in 30 days and this was standard practice. Needless to say, they did not. It has had a profound impact on my credit. As I slowly strategize my way out of suffocating student loan debt, I now have to take action on these minor things, that effect me greatly. They are small potatoes in comparison to other credit factors, but it's a big deal to me. So now, 3 months later, after walking into the dealership with a just above 700 credit score & 1 inquiry on my report that is scheduled to fall off this year, I have 6 - 14 hard inquiries depending on which report is pulled, and am fighting my way back up from a XXXX credit score as of XX/XX/XXXX. I called XXXX, the report which shows the most inquiries to dispute the XX/XX/XXXX inquiries, and was informed they could not, but I could work with the dealership and lenders to have those inquiries changed to soft inquiries. I immediately called XXXX, my salesperson, and was instantly frustrated as he repeatedly spoke over me and was only interested in his own defensive posturing. So the very next day I went to the dealership to sit down with XXXX, I re-iterated the situation, and she said she would work with their business office to get it handled. That was almost 4 weeks ago. I've followed up once a week every week since for an update and every week I get the same toothless response that she will email the biz office for an update, but I never receive a follow up. This is truly my last resort. Though I appreciate that XXXX is the ONLY person on the entire staff remotely feigning interest in helping get this resolved, it seems that I'm only being helped to empty gestures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-16

Bellaire, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: URGENT- Ally Financial reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted Ally, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting. Payments due on the 30th of the month XX/XX/18 - Payment made- ( XXXX showing late pay for XXXX ) XXXX Vehicle was STOLEN XXXX Vehicle was declared total loss by insurance and notified Ally about the payment and Gap insurance At this time Ally sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XXXX Contacted Ally to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed. XXXX Car Payment cleared from bank ( XXXX showing late pay for XXXX XXXX Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, Ally reported to XXXX last payment was XX/XX/XXXX- 30 days late pay for XXXX Ally reported to XXXX last payment was XX/XX/XXXX- 30 day late pay for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-16

OH

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-16

Dalton, NC

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-14

Powder Spgs, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-13

Buckeye, AZ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-13

Kawaihae, HI

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: Please reference complaint number XXXX When asked how this could be resolved I left out that I need to make sure my credit is restored and does not show late payments that they accused me of since they had lost my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-13

Rehoboth Bch, DE

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Jupiter, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: Possible violation of Fair Credit Reporting Act In XX/XX/XXXX I elected to file a chapter XXXX bankruptcy. At the time I had a loan with Ally Bank on a car, for which I needed to keep. I am a XXXX, a mother of XXXX young girls, and trying to put myself through school. I needed to keep the car in question, and I had made every payment on time up to that point. This is the account in question. I believe I was mistreated and misled as to how to make payments while in BK-XXXX, and the result is a negative mark on my credit which is incorrect and unfair. Timeline : In XX/XX/XXXX I filed a chapter XXXX bankruptcy. I immediately called Ally and explained that I had filed ( they already knew as the court sent them notices ). Below is a record of who I spoke to and the events that ensued : XX/XX/XXXX I spoke to a person named XXXX. For future reference, none of the customer service representatives give out their last names anymore. XXXX was kind, and explained to me the options that I had. He explained that at some point, Ally ( The Company ) would ask if I wanted to re-affirm the debt, meaning I could continue making payments and keep the car. As I needed to keep the car, I told XXXX that I wanted to re-affirm the dent immediately. He explained that wasnt possible yet. I offered to make a payment, and he advised me that I would not be permitted to make a payment while in BK-XXXX. At that point I had a pre-scheduled payment that had come out of my bank account about a week prior. XXXX was not able to confirm such a payment, as he advised that he can not discuss any details while I was in BK-XXXX. I was told to call back in a month. XX/XX/XXXX I called and spoke to a customer service rep named XXXX. She explained the same thing as XXXX had a month before, but I was becoming worried. I wanted to make a payment on the car, I didnt want to lose it, and I was worried they would report me as late to the credit bureaus. XXXX advised me that while she could not discuss the account with me, she could at least tell me that there will be no negative reporting to the credit agencies while I was in BK-XXXX. She also explained that although I was asking to make payments, I would not be allowed to do so, on account of the case. She told me to call back in a few weeks. In mid XXXX, I called and spoke to two different customer service reps, XXXX and XXXX. First I told XXXX that I was told I could in fact make a payment while I was in BK-XXXX according to my lawyer. But that the company wasnt allowed to collect against me. At that point, XXXX said oh youre in BK, I need to transfer you to a special department. This seemed odd to me as Ally knew from the date of filing that I was in BK-XXXX, and only now was I being sent to a special department. The person in the new department was named XXXX. XXXX was adamant that the bank would work everything out with me once the BK was discharged. Additionally I was now told that I could make a XXXX XXXX payment or direct deposit from my bank if I wanted to in order to continue paying. I agreed and made the payment ASAP. Upon calling back, I could not reach XXXX, and the new person named XXXX now told me that whether I made the payment or not, she was not able to say. She could not discuss the account with me. I was becoming distraught. How in the world was I supposed to be able to track whether my payment came in? This all seemed strange to me, as here I was, calling every few weeks, begging to make a payment, and up to this point - was told I could not. Now, at this point I am told that I COULD make a payment, but the company would not be able to confirm receipt. This felt suspicious and unfair. I reasoned it wouldnt be wise to make future payments if the company couldnt even provide a receipt. For all I know, that payment could have gone anywhere. XXXX told me that I should call back in a few weeks as my discharge was imminent, and that I would be able to make a full payment then. Its important to note that I was able, capable, willing and offering to make a full payment each and every time I called the company. Im sure the calls are recorded, and so Im sure proof of this this could easily be attained. In XXXX I spoke to XXXX who told me that I would be able to re-affirm the debt for a particular amount ( the instructions here on the CFPB site direct me not to disclose that amount here - theres a separate section ). I immediately offered to pay the amount in full right then, but was told that even though I had obtained my discharge, my account was still in the BK department at the company and so I couldnt make the payment. I explained how helplessly upset I was at all this, and how I was scared they would report me as having missed payments - while in fact I had been trying for months! XXXX assured me that the company would not report me as late, or assess late fees, as they had the record of me calling every few weeks. I think she felt bad for me. She told me that as soon as the account came out of the BK department I would get a call, and the company would work everything out with me at that point. In XX/XX/XXXX I was finally noticed that I had to pay the account current immediately to protect my credit. I was relieved and paid it at once. I was assured by XXXX that my credit would be protected and no late reports would be made, or special fees assessed. The payment was sufficient to bring my account current. Which was all I was trying to do since XXXX. Now last week I see that my credit is showing late for : XXXX. 30 XX/XX/XXXX60 XXXX. 90 XXXX. 120 XX/XX/XXXX120 I am furious! This could not be more unfair. The company promised me this wouldnt happen. I tried to make the payments and I was not permitted to. Now my credit is harmed even worse as it looks like I cant even pay this small bill. As I said, I am a XXXX. My job is to treat people and make their XXXX visits a good and calming experience. I work nights on my unit, and I do my best to treat people with care, compassion, and respect. I am trying to get student loans to continue my degree advancement as one day I want to teach. This 30/60/90/120 on my credit will harm my ability to get federal loans, as well as advance in my career. In essence, it seems incredibly unfair to portray me credit file as having all these missed payments, as it is absolutely misleading and not at all an accurate description of what happened. I am wondering if this is a violation of the Fair Credit Reporting Act? I feel as though I did absolutely EVERYTHING I could to make these payments so this wouldnt happen. Its not fair what they are doing to me, and I need help. I was not late one time before the BK-XXXX event, or since. This is not the way to treat people. Especially a XXXX XXXXr, like me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Bueche, LA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: It is showing on my credit reports that Ally Financial did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Ally Financial responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

San Gabriel, CA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I was told I had a payment extension for my vehicle loan, lender claims a 30 day late payment.I explained my situation to a representative and they did acknowledge there was a mistake made on there end, but that it is still technically a 30 day late.I requested a extension 2 days before the 30 day mark ( XX/XX/XXXX ) and was told my request was accepted.they gave me a confirmation number and was told to pay {$370.00} by XX/XX/XXXX and an additional {$170.00} by XX/XX/XXXX and then back to full payment XX/XX/XXXX.I paid the {$370.00} on the XX/XX/XXXX so I thought all was good.Then Monday came and received a report of a 30 Day late on my credit report.I then called ally financial and explained them my situation and was told that the 30 day late would stick because technically it was 30 days late.I would have just payed It in full prior to my 30 day mark if the representative would not have told me that my request was accepted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Rochester, MI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX and XXXX report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such documentation. XXXX and XXXX are liable for the monterey fines as well for reporting unverified information. https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Palos Park, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Report provided to employer without your written authorization
Complaint: I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX BankXX/XX/XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Real Estate/Public Accommodations XX/XX/XXXX ALLY FINAN I National Credit Cards/Airlines XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Hiawassee, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Chester, NY

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: On XX/XX/XXXX I scheduled an online payment through Ally 's online portal for the full balance of my loan at that point {$17000.00}. On XX/XX/XXXXthe payment was updated and showed up as paid in full in my online account. After my account was updated online on Tuesday I requested a loan satisfaction letter and the lien release documents to be sent to me as soon as possible, they told me that since my payment was made online there is a waiting period of 10 business days before they can release the lien, they told me that the online payment is considered a non-certified method of payment and therefore XXXX requires a waiting period. That didn't sound right to me so I looked over the law and regulations and couldn't find anything related to that statement so on Wednesday XX/XX/XXXX I sent a new request for my lien release and loan satisfaction stating that the waiting period is unfair and that they should have actual brick and mortar branches if they, as an online bank, are not considering online payments as a valid method of payment, they again responded with the same excuse about their waiting period. Friday morning I received a notification on my personal email regarding a document that has been uploaded to my Ally online account, so I logged in and found the loan satisfaction letter including the VIN number as I had previously requested but had missed my husband 's name and my middle name was missed spelled. I couldn't reach out back to them on Friday but did it on Saturday, they apologized for the typo but said that they could not send me a corrected letter because their back-office team does not work on the weekends. I again requested the lien release to be sent out to me that same day since the loan had been paid in full since Monday!. I was extremely upset since their service associates kept on repeating the same things over and over again without providing any actual help. I requested to speak to a supervisor and was offered to have my lien release documents and loan satisfaction letter with my correct name sent out to me overnight for the week of XX/XX/XXXX. Today, MondayXX/XX/XXXX I reached out again to make sure the documents were being processed but as soon as a representative started looking at my account they came back with the same answer about the waiting period and that the lien will not be released until XX/XX/XXXX. At that point, I asked where in the law does it say that the lender is allowed to hold on to liens that have been paid in full for such a long period of time. The representative told me that it is not on the law but on their procedures, so I requested a copy of the disclaimer signed by myself where they explain this " procedure '' to me, and the representative said that they don't have such disclaimer. I asked the representative if what they were doing was illegal and she answered YES. I have been trying to get answers from someone at Ally who is actually capable of giving them and not just talking to call center staff members who have very limited training and no room to get off the script, but they refuse to get me in touch with anyone else. As a consumer, I feel violated and absolutely vulnerable to fall prey to this predatory lending practices that are completely against the consumer, is this discrimination? am I being a victim of a robbery? The CFPB and the office of the AG should look closely at this practices and make sure that the consumers know what they are getting into when they decide to transact with this shady institution. Now, I'm being left with a transaction that I can't conclude until these people from Ally come to terms with their procedures and decide to release the lien on my car. In the meantime, I have paid my loan in full and have no legal rights to transact with my car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

E Brunswick, NJ

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Boston, MA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-03-12

IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX and XXXX. The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-12

Glyndon, MD

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-11

NY

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: I received a letter from XXXX XXXX stating I was denied a loan in part due to a XXXX credit score from XXXX XXXX. After some research, I have found this company to be fraudulent and exists to allow banks to charge a higher percentage due to a low score. This is not a credited agency and should not be included when trying to obtain a new loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-10

Dallas, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My name is XXXX XXXX last 4 of my SSN are XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I made a payment through the online system for my car payment on XX/XX/XXXX. This payment was returned because I submitted through savings instead of checking. I only authorized a ONE TIME PAYMENT. On XX/XX/ Ally bank resubmitted the payment through without my authorization causing my bank to charge me XXXX. I called in and spoke with a manager named XXXX who told me that they did not need my authorization to process this payment since I already gave it onXX/XX/XXXX. She claimed that by me making that payment I gave authorization for the to go in and draft my account again if the payment was returned. She stated this was and agreement I made before submitting the payment. Well I went back and check what the online system stated when making a payment. " I authorize Ally to debit a one-time payment from my designated account in the amount and on the date i have selected and this authorization will be in effect until the payment is paid or until I cancel ''. No where does it state if my payment comes back I authorize Ally to draft my account again. I believe this practice is unfair and deceptive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-09

Fair Oaks, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-03-08

MI

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Purchased a used car ( 2 yrs old ) with down payment and monthly payments of {$230.00}. About halfway through the loan, I made a payment of {$3500.00} and was told I didn't have a payment due, at that point, for over a year - approximately 15 months. The month after I paid the {$3500.00} ( that I thought included payment of the financing charges and principle ) I started paying {$150.00} for the next 7 months then lesser amounts of about {$80.00} for the next 3 months. Here is the issue, for all of the payments I made of {$150.00} and {$80.00} during the months that no payment was due, the bank still deducted finance charges from those payments. As stated above, the {$3500.00} payment covered 15 months of all charges, yet I was still charged finance charges on the additional payments. My question is were those finance charges on the lesser payments legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-08

Detroit, MI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response