Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have asked for the ally credit card charged ofd my account to be corrected. Since then, I received a settled in full letter from XXXX  who stated that ally still owned the account and they were just collecting the payment for them. On XX/XX/XXXX I called ally bank because they had reported my payment of {$3800.00} and still showed a balance of {$950.00}. The rep at ally was very rude to me and told me I would have to speak to XXXX. I tried to explain to her I had already spoke to them and they sent me the letter. She stated my payment was reversed and she would not discuss my account. I then called XXXX  back again and they once again stated that my ally account with them was no longer active and to look at my settled in full letter. Today I noticed that ally again changed the account on my credit report yesterday to the full amount again as {$4700.00}. This happened after I tried talking to ally. Today I called ally again to see if I could get any information from another rep. I called at XXXX XX/XX/XXXX and spoke to XXXX XXXX ally credit card. She told me my account was with XXXX and XXXX and transfered me to them. I spoke with XXXX XXXX at XXXX and XXXX who told me my account was with XXXX  and I would need to speak with them. So again I'm going back to the same circle I've been in for days. And that was the first time I had ever been told about XXXX and XXXX. I then tried calling ally back at XXXX XX/XX/XXXX and I spoke to the rep XXXX XXXX He told me this was a charged off account and I needed to speak to XXXX and XXXX and I explained to him I already did this and explained to him all the calls I've been through and that XXXX  sent me the settled in full letter and said my account is no longer active since its paid. I then asked XXXX if Ally owned this account because XXXX  and my credit report shows ally as the owner. He told me no ally did not own this account as its charged off and was sold to XXXX and XXXX. He told me all I can do is dispute how things are being reported which I have been since XXXX and I have gotten absolutely nowhere. Ally is continuing to ruin my credit and at this point i feel like this is being done on purpose and are violating the consumer protection laws. How can someone be put through all im being put through. I am on XXXX and have made every effort to talk to ally and everyone they have sent me to. In the mean time, ally keeps putting charge off on my credit report, then changing to just closed and late and they along with the original name of credit card ollo are reporting totals on these accounts, that I was told today by ally, that they do not even own this account anymore which then should be reporting {$0.00} charge off/sold. But as of today they are reporting a balance of the {$4700.00} and my credit report is stating I'm over the limit on my account. This cant be legal or right at all. I've been turned down for credit alot lately including a mortgage. I have disputed this and ally does not respond. Im attaching copies of the remarks on my credit along with the settled in full letter. This needs fixed ASAP as they have already caused undue stress and loss of credit.

Company response to consumer: Closed with explanation