Date Received: 2024-03-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My complaint is as follows : I have communicated with Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They acknowledged receipt on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as shown in the documents attached with this formal written complaint. I expressed concerns regarding security fraud, identity theft, UCC violations, and requested Proof of Debt. As previously outlined in my letters to both XXXX XXXXXXXX ( The Registered Agent of Ally Bank ), and the finance company, the issue of security fraud, identity theft, and potential XXXX violations remain unaddressed. If Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally , can not provide Proof of Debt through indebtedness, the Wet Ink Promissory Note, demonstrating that they haven't capitalized from the Sale of the Instrument, I kindly request a refund of my previous payments plus interest, the balance of the Account ending in XXXX XXXX XXXX reflecting as paid in full, and the Title for the XXXX XXXX XXXX XXXX XXXX. Please reference relevant legal codes if necessary. I would also like to make the Consumer Finance Protection Bureau aware of the following : Since I began exercising my legal rights as a consumer, Ally Bank Corp./Ally Bank/Ally Financial Inc./Ally has retaliated against me by restricting my account and putting me under duress by rejecting my Tender of Payment. Since my account is on restriction, I am unable to make payments and I believe that they are putting me in a position where my vehicle will get repossessed. I have a XXXX daughter that I take XXXX XXXX daily and to her XXXX activities. To my knowledge, retaliation is illegal, unethical, and unfair business practices. Their actions have caused me to suffer great XXXX, stress, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Everyday since XX/XX/XXXX I have been calling ally bank constantly the customer service department has been trying to work with me helping getting my account access back but the fraud department are the only ones that are able to do that. Every time they transfer me over they tell me different things as in your account is closed, your account is under review, your account has investigator, also that my account is not under review and they refuse to transfer me over to a supervisor I also documented two of those reps names which is XXXX, XXXX etc I just want access to my funds so that I can end my account with them this is causing various of complications in my life and is not the way you should handle a XXXX person I have already did everything that is possible I would never open a account with ally again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX I payed someone on XXXX in the amount of {$150.00} to username " XXXX ''. Turns out the person i was trying to pay sent me the wrong username. The real user name was " XXXX ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I Bought new windows for my home. I financed them through ally bank. They dont listen well. Im not paying a late fee. I am one person taking care of my XXXX XXXX. The budget is tight. I pay my XXXX every single month. The issue is this company wont move the loan to a different due date. My mortgage is due on the XXXX. Im not missing a mortgage payment for this bank. I was a few days late. They charged me a late fee. They wont remove it I refuse to pay it. They wont move the loan. Ill be damned if Im going to pay them any extra for not extending courtesy. Now that I refuse to pay it. They just keep adding more on. Now Im considering getting a lawyer and suing them. Ive had it with them calling and demanding an extra XXXX dollars I need to buy supplies to take care of my XXXX. Im not rich. This bank is taking advantage. I also believe they are in violation of New Jersey law by not giving me a new due date which I requested. Late fees now totaling XXXX dollars. You cant charge a late fee for a late fee. Its not legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Ally bank has been working on this for over a 1 year 3 months still have not received my replacement credit card!??? WHAT IS THE PROBLEM??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an Ally checking and savings account on XX/XX/year>. I set up my online banking and I funded my account by deposit a check in my savings and a check also I deposited a check in my checking account on XXXX the XXXX. I got a notification that my check would be placed on hold until 5 business days which is today XX/XX/XXXX. Later on the day of XX/XX/XXXX I received an email saying my phone banking pin had been changed and I also got a message saying that my checking and savings will be restricted because they detected unusual activity it also said to call to verify some information. So I called about 5 different times and got 5 different answers from each representative one of them said my account is under investigation and I am assigned to a investigater and that they will call if they had questions I also verified all of my information when I called and gave them my security word also but my investigator was very rude and was also discriminating me because I have a deeper manly voice. He hung up and told me not to call back and there is nothing that can be done. But mind you the first person I talked to said the restrictions will lift after the checks clear all the way which is Monday XX/XX/XXXX which is today I would not advise anyone to bank with ally bank they will try to steal your money. I also included proof and verification with this submission and proof that the check belongs to me with my documents supporting the check so I REALLY NEED MY RESTRICTIONS LIFTED FRAUD DEPARTMENT IS REFUSING TO ASSIST ME AFTER IVE EVEN VERIFIED MY INFORMATION SEVERAL TIMES I AM ABOUT TO LOOSE MY HOME BECAUSE I CAN NOT ACCESS MY MONEY. THE NEXT STEP IS LEGAL REPRESENTATION BECAUSE THIS IS NOW BECOMING A FRAUDULENT SITUATION OR A THEFT/LARCENY BECAUSE THERE IS A EMPLOYEE OR SUPERVISOR TRYING TO STEAL MY MONEY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We made XXXX payments this month and they are not applying them to our account. We paid them XXXX on XX/XX/XXXX and XXXX on XXXX and they are not adjusting our bill still showing same amount past due of XXXX and an outrageous late fee of over XXXX dollars. They DO NOT RESPOND to my messages and answer any inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In early XXXX, I removed all the funds from my Ally check and saving accounts because of the continued customer service issues and locked the debit card attached to the checking account. I had made the decision to close the accounts once I had all my end-of-year ( 2023 ) bank statements. In XXXX I was told I had an overdraft. Upon checking the account, it showed I had an overdraft of {$10.00}. The card had been used and overdraft protection had been placed on the account without my knowledge or permission. I have contacted the bank more than 75 separate times and asked to submit a fraud complaint and was continuously denied. They also refused to close the accounts. I even contacted the following individuals via email on numerous occasions with no response. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I also sent emails to Ally Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Consumer and Commercial Banking President XXXX XXXX, and communications director XXXX XXXX. No one ever responded. And no one responded to the 20 emails sent through Ally 's secure messaging system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX around XXXX Eastern time I received an email from Ally Bank that I needed to give them a call and verify some information. I immediately attempted to log into my bank account and discovered that I was unable to, and received a message that my account was blocked or inactive. I can't even access my bank statements or anything, just a mostly blank screen. I called the customer support line and was told that the fraud prevention team had restricted my account. I was transferred to a fraud prevention associate who asked me a series of questions that I answered. They told me that someone would reach out to me if they needed additional information, but was unable to provide a timeline or any information about my account balances or the reason for the restriction. It is now five days later and nobody has reached out to me to conclude their investigation. I've called the bank multiple times to request additional information and to request a meeting with the investigator but nobody is willing or able to speak to me about this. I had over {$300000.00} between my checking and savings accounts and I have no idea whether that money is still in the accounts or gone forever because they won't allow me to log into my account or get confirmation over the phone. I've offered to provide statements from my other banks or whatever else they need to resolve the issue quickly but nobody will speak with me. Dealing with customer service almost feels like talking to someone that's trying to scam you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a XXXX payment of {$400.00} from my Ally account to a person selling Event tickets. The tickets turned out to be fake. According to the XXXX guidelines this is a covered benefit. I submitted a dispute with Ally on XX/XX/XXXX asking for a refund and have since contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ally has been non responsive and is not following the XXXX guidelines
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54904
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A