Consumer complaint received 2022-07-30
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I started by financing a XXXX XXXX XXXX XXXX XXXX at XXXX through Ally Financial in XXXX XXXX next day this bad car broke down for no reason and I returned it to the dealership. So they proposed me a replacement car. They resent a new application to Ally bank and told me that this first account for XXXX XXXX XXXX deal was cancelled and thats I am good to go with a new XXXX XXXX XXXX. I went back home and opened my Ally bank online banking and saw still two accounts opened under my name. The XXXX and XXXX cars are both open and are reported as current by the bank while dealership told me clearly that they already cancelled this first deal and I dont have to do anything since they replaced me the car. So it was so confusing and worrisome. I first called the bank to report the incorrect information. They told me I dont have to worry about this XXXX XXXX car account, its the dealership, they will update that. Some days later bank started calling me stating that I will be sent to collection because I have late/past due for the XXXX XXXX car which is supposed to be cancelled since 2 days after financing it by dealership because it was already replaced and closed. I had a hard time but finally managed to contact the dealership to report the incorrect information, and they told me that it is supposed to be cancelled. Ally Financial started lying and lying over and over to me. I called that bank thousands and thousands time always some fake information trying to do as if they dont understand anything of the situation now that I report it as fraud. They try to always tell me that I own this XXXX XXXX car and dealership didnt cancel it, they will keep reporting delinquency on my credit report and I am responsible. So incredible!!! This XXXX XXXX deal was cancelled since XX/XX/XXXX, 2 days after financing and it was replaced by a XXXX XXXX car and it was cancelled as I was told by dealership. Why would I even finance two XXXX at the same time. This is beyond fraud. I have all the records against that dealership/bank and I will go to the legal system soon if anything wasnt done to correct my inaccurate report. Its now 4 months my account has delinquency reported fraudulently by bank and or dealership. I dont own this car, dealership cancelled this deal 2 days after and replaced it, it was since XXXX. It shouldnt even be reported to credit bureaus in the first place.There is nowhere that I will be responsible for a car that I never owned. There is law and people have rights. Even illiterate wont tolerate that. This is the worst abuse of rights I have ever witnessed. I have to lock my credit for fraud, cant even for rent now. I dont trust nobody anymore even financial institutions. They are supposed to protect our data that we allowed them to access. They trap people like me and mess up with our credit fraudulently to prevent us from doing anything but paying them those high interest rate. This is beyond abuse of rights. This bank and dealership are dishonest and engage in fraud against XXXX. They have a huge record of that all over the internet. Never know about them. I will never ever do business with a dishonest/ fraudulent bank or dealership like that.

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