Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7254104
Complaint Overview
Complaint ID: 7254104
Company: Ally Financial INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 32708
Date Received: 2023-07-14T12:00:00-05:00
Date Sent to Company: 2023-07-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had a XXXX XXXX on XX/XX/XXXX. I purchased my XXXX XXXX XXXX XXXX on credit through Ally Finance and made my payments on a regular basis. After the XXXX, Ally Bank suspended my car loan payments. A total of {$16000.00}. Despite repeated calls, none of my calls were answered. At the end of the 4th month, Ally Bank requested a refund of {$35000.00}, a figure above the current total repayment amount of {$16000.00}, from my insurance company. As a result of our objections, my insurance company finally collected the parking fee and other transportation fees in XX/XX/XXXX, as well as the sum of the installments that I did not pay, with interest. He paid back {$19000.00} and the debt was settled. Ally Bank held me responsible for a payment dispute with the insurance company Progressive after I charged a higher fee than the payment amount, even though I had no obligations. He sent me a letter to Ally Bank about my late payment. Because of this, my credit rating was unfairly lowered. As a result of the dispute between Ally Bank and XXXX XXXX XXXX regarding the repayment amount of the vehicle, my credit rating was unfairly lowered. I demand and demand that this injustice be corrected as soon as possible and that my credit rating be corrected. Thanks XXXX XXXX
Frequently Asked Questions
What is Complaint #7254104 about?
Complaint #7254104 was filed against Ally Financial INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-07-14T12:00:00-05:00.
How did Ally Financial INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ally Financial INC.?
Yes, visit the Ally Financial INC. company profile at readthecomplaint.com/company/ally-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.