Consumer complaint received 2023-09-14
Company: ALLY FINANCIAL INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX Ally Bank # XXXX XXXX XXXX XXXX, XXXX, MNXXXX, XXXX Address on loan XXXX XXXX XXXX XXXX.MD XXXX Alley Bank car loan is reporting incorrect information on my credit report. I spoke to them so many times about my payment history and missing payments they tried to say I didn't pay or was late. I few months ago Ally Bank was supposed to move 2 late payments from last year that was never moved. This year they was supposed to correct my account but never did. They have late and unpaid remarks payments on my credit report that's not correct. I wasn't late for majority of the late payments they have on my report. Also they have unpaid payments on my report that's been paid. A few times I was on a payment plan and payments wasn't do because of the payments plan and the still marked me late while on a payments plan. Nobody at Alley Bank will assist you. I spoke to a representative from alley Bank and she gave me dates that Ally Bank said I was late but wasn't late. When I spoke to the representative during the week of XXXX XXXX XXXX she gave me a few dates that Alley Bank said I was late and I looked at my bank statement and Ally Bank state and it stated I'm not late and I informed the agent from Ally Bank of tha while we were on the phone then she looked and said may like 2 late payments that Ally Bank said I was late and Ally Bank agent said we have that payments. Then I asked her to remove that incorrect information and she said she have to put in a request. I said to Ally Bank agent if you know the information is incorrect why you just can't remove inaccurate information she said someone else deal with that. Also Ally Bank have me 69 and 90 days late which is untrue. Also I paid my payments in XXXX to Ally Bank which was XXXX and that was paided on time and I paid a few cents over the amount. Then I had a pay off amount of XXXX. I sent Alley bank on check through the maid on XX/XX/XXXX XXXX to pay off my loan account with Ally Bank and they gave me a late fee which I paid before the payments was due. My payment is due the XXXX of each month. Theny Ally Bank agent dmsaid maybe the payments was list in the mail. This happened to me twice when I sent a check and Ally Bank tried to say maybe it's lost. I believe Ally Bank are doing fraud to get extra money out of their clients. I also Ally Bank have my monthly payments amount wrong on my credit report my pay is XXXX and Ally Bank reported it on my credit report for XXXX for my car payment. On my XXXX report I don't have no payments information. Also Alley bank reported my balances incorrect. After I paid XXXX. XX/XX/XXXX, my balance was to pay car off was XXXX in XXXX, then XXXX went to XXXX, then in XXXX it stated 1 have XXXX for my car payments which was incorrect. My whole account is in correct. I am asking that they move all of my late payments, unpaid payments, and remove 60 - 90 days late on my account because the information isn't correct. Also I had a XXXX dollar electric warrty on my loan and I told Ally Bank to remove the electric loan and they were supposed to and why that wasn't deducted from my car loan amount. I can provide my bank statements and Ally Bank car loan statements. I believe that Alley Bank redacted the states as well because I never seen any late payments on my report until recently and I need this looked into. The inaccurate information that Ally Bank reported on my credit report prevented me from new car loans. I believe they are just trying to get money out of their clients because if I had late fees why I'm just receiving all these late fees on my account? Now they are saying I have 213 in.late Payments and how is the late Payments still 213 when Ally Bank said some of my late payments are incorrect so if that was true that amount should've decreased but Ally Bank agent said she have to put a request in to have the payment removed. When you call XXXX Bank you can never talk to anyone with authority to help resolve your issues and they gives out inaccurate information. 
Example : on credit report from XXXX for Ally Bank XX/XX/XXXX balance is XXXX, and XX/XX/XXXX is XXXX which is a XXXX dollar difference what is the XXXX for. XX/XX/XXXX Ally Bank reported my balances is XXXX for XX/XX/XXXX but the state Ally Bank sent me it stated my balance is XXXX I believe but it didn't say my balance my XXXX. I also asked XXXX Bank to not cash the checks I sent them that they claimed may be lost, which I don't believe. I believe they does this to give people late fees because my account isn't correct. On XXXX report it's states my payment is XXXX and this isn't accurate. Look at my prior payment history which is great.

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