Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8433361
Complaint Overview
Complaint ID: 8433361
Company: Ally Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: North Carolina
ZIP Code: 280XX
Date Received: 2024-02-27T12:00:00-05:00
Date Sent to Company: 2024-02-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When we purchased the car, we set up payments through XXXX XXXX. XXXX XXXX would receive the money and then pay Ally Financial. In XXXX, we received a note from Ally that the payment was late. We checked the banking statement and XXXX had received the money to make the payment. We called XXXX XXXX and the representative informed us that they did receive the payment, but there was a system error and Ally hadn't been paid. We were then informed to make our XXXX payment directly to Ally. The representative drafted and sent us a note explaining the error and they sent the same letter to Ally. However, the late payment was still reported on my credit. I have called Ally several times explaining the situation and have faxed them the letter from XXXX explaining what happened. In addition, I have filed several disputes in which I attached the letter and explained what happened. However, each time Ally has denied to remove the error from my credit report. The account is now paid and closed as I moved the loan to another company.
Frequently Asked Questions
What is Complaint #8433361 about?
Complaint #8433361 was filed against Ally Financial INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-02-27T12:00:00-05:00.
How did Ally Financial INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 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.