Product: Debt collection

First, I would like to thank the Consumer Financial Protection Bureau ( CFPB ) for consolidating my previous complaints and tracking this matter through the XXXX XXXX XXXX. I appreciate your efforts to address these concerns and to ensure that issues like mine are handled fairly and thoroughly. 

Despite your attention to this matter, Ally Bank has failed to engage meaningfully with the evidence provided over the course of XXXX complaints. A basic investigation during Complaint # XXXX would have revealed that XXXX XXXX XXXX had already confirmed the account as fraudulent and deleted it in XX/XX/XXXX. This failure raises questions about how Ally Bank can claim to have conducted a proper investigation without even contacting the current account holder or XXXX XXXX XXXX. 


-- - Progression of Complaints and Evidence : XXXX. Complaint # XXXX ( Filed XX/XX/XXXX ) : I raised concerns about the validity of the Ally Everyday Cash Back account, initially suspecting it was pre-bankruptcy and possibly re-aged. 

I submitted an FTC Identity Theft Report and hospice certification but chose not to include XXXX XXXX XXXX deletion letter, trusting that Ally Banks investigation would uncover and verify this information independently. 

If Ally Bank had conducted even a basic investigation, XXXX XXXX XXXX would have confirmed that the account was fraudulent and deleted. Instead, Ally Bank dismissed my fraud claim and denied re-aging, claiming the account was valid without explaining their investigation process or findings. 



XXXX. Complaint # XXXX ( Filed XX/XX/XXXX ) : Upon further review, I clarified that this account was post-bankruptcy, fraudulent, and deleted by XXXX XXXX XXXX. 

I included XXXX deletion confirmation and reiterated my concerns about Ally Banks failure to address the fraud. 

I mistakenly concluded at the time that no re-aging had occurred, as I was still investigating. Despite this, Ally Bank continued to report the account as valid and provided no explanation for disregarding XXXX findings. 



XXXX. Complaint # XXXX ( Filed XX/XX/XXXX ) : Monitoring my credit reports revealed clear evidence of re-aging. The XX/XX/XXXX XXXX credit report shows Ally Bank re-aging the account by reporting late payments and charge-offs into XXXX and XXXX, despite the original charge-off date being XX/XX/XXXX. 

This pattern of re-aging aligns with instances when the account was disputed, suggesting it may be retaliatory. 

I submitted this evidence, yet Ally Bank has not meaningfully addressed it or explained their continued reporting practices. 





-- - Why an XXXX is Necessary : Ally Banks repeated failures in this case point to broader compliance issues and systemic neglect in their dispute-handling processes. Key concerns include : XXXX. Failure to Conduct Basic Investigations : During Complaint # XXXX, Ally Bank could have resolved the matter by contacting XXXX XXXX XXXX. XXXX had already conducted an investigation, confirmed the account as fraudulent, and deleted it. Ally Banks claim that they conducted a proper investigation is unfounded given their failure to contact the current account holder. 



XXXX. Neglect of Key Evidence : Over the course of XXXX complaints, I have submitted progressively clearer evidence, including an FTC Identity Theft Report, hospice certification, XXXX deletion confirmation, and proof of re-aging. Ally Bank has consistently failed to address or engage meaningfully with these documents. 



XXXX. Pattern of Retaliatory Re-Aging : The re-aging of this account in response to disputes raises concerns about intentional misconduct and systemic violations of the Fair Credit Reporting Act ( FCRA ). 



XXXX. XXXX XXXX with FCRA : Ally Banks actions demonstrate systemic issues that likely extend beyond my individual case. Their repeated failure to investigate properly, address fraud, and report accurately undermines the integrity of the credit reporting system.