Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In early XX/XX/XXXX my wife and I added our respective XXXXXXXX XXXX accounts for external transfers and manually verified ownership of both accounts through the small deposits that Ally sent. We don't use the XXXX accounts much so in order to avoid a monthly fee with them, we have {$2.00} automated ACH transfers scheduled every 2 weeks for each account. These have been successfully executed a dozen times. ON XX/XX/XXXX I received an email from Ally saying that my wife 's XXXX account could not be verified and was removed from our external bank transfer list. Again, ownership of this account was verified back in XXXX and Ally has sent transfers there many times. When I called Ally on XX/XX/XXXX, after a lengthy wait time as the rep contacted numerous departments to figure out what was going on, I was informed that the account was mistakenly removed as the result of a system error. The rep advised me to re-add the account. When I tried to do that, I got an error that the routing number was invalid ( it isn't ). The rep then tried to add the account for me and he got a different error. Consequently, he said that the account addition now had to be reviewed by " loss prevention. '' Later, I logged in and noticed that the XXXX account was now listed as " Denied '' as was my XXXX XXXX XXXX account for which I had been waiting for Ally to send small deposits for manual verification. This is the second time in the last couple years that I have had a major issue with Ally 's external transfers. The customer service reps are powerless to help and the department tasked with fixing it and calling me in " XXXX hours '' ( as they promise ) never call or fix the issue. I was not able to get it resolved last time until a CFPB complaint was filed. I have been with Ally for over a decade and it's ridiculous that this even happens at all, let alone the fact that the mere mention of having this reviewed by " loss prevention '' is an assault on my and my wife 's character. I just want this resolved and further, I want Ally to take steps to fix whatever issue it is that continues to cause problems with getting my own money out of the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Back in XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Department called me regarding suspicious fraud charges on my account # and I confirmed the following as fraud. XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX When I received my statement, they had reversed a charge that was actually legitimate and I immediately advised them of same. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX After numerous phone calls, and a letter written in XX/XX/XXXX, this still remains unresolved and I am making payments and incurring interest to date. At this point, they owe me money. My Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am filing a complaint against Ally Bank for refusing to reimburse penalties and damages caused by their actions. They froze all my bank accounts on XX/XX/XXXX without warning due to a security error, and the assigned investigator failed to resolve the issue promptly, resulting in a week-long ordeal. This led to rejected withdrawals by institutions like the IRS and my internet provider, resulting in penalties for late payments and rejected transactions. These incidents have permanently damaged my account statuses, affecting my creditworthiness. Although Ally Bank reimbursed the IRS penalties, they unjustly refuse to reimburse the penalties from my internet company. During a lengthy phone call, their representatives repeatedly dismissed my concerns and cited a refund issued within the last 12 months as a reason for being unable to provide further reimbursement. This selective approach is unacceptable. Ally Bank can not freeze my funds, incur several penalties, and selectively address damages from only one institution while disregarding others. I urge the CFPB to hold Ally Bank accountable for their negligence. I am seeking fair compensation for financial losses, penalties, and the lasting negative impact on my account status caused by Ally Bank 's actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: My 2 years lease was end on XXXX, 2023 and I extended the lease for another 6 months. My payoff amount in XXXX was {$29.00} Now, I called to Ally bank, asking how much is my payoff amount as of today. They gave me the same amount as 6 months ago. On my question how it's possible, they said it was courtesy of the bank. So, I used the car extra 6 months, got more miles, paid almost {$2300.00} and price stayed the same. Is it legal, I think this is consumer ripe off Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Per bank this account was opened by my ex and I was the joint account holder, however, this account was not opend in my will and I never use this account, I didn't know this account was having a {$83.00} overdraft fee charged caused by the primary account holder, and ally bank never send me any notification or letter or phone call to let me know this issue, they just reported this negative balance and put negative mark on my XXXX report : ( I found this account has this overdraft fee reported to my XXXX credit report on XX/XX/2019 and then I immidately contacted Ally Bank explianed the issue, but they reject to remove the negative mark on my XXXX report and asking me to pay the {$83.00}, however, I never receive any letter or phone call from Ally bank regarding this account negative balance issue. I be forced to pay the {$83.00} to end this issue which was not caused by me, and after it I have contacted Ally bank multiple times by phone and mail, they still reject to remove the negative mark in my XXXX report, and all mail I sent to them they never response me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Ally bank debited my account for {$1100.00} three days after the XXXX payment was canceled. I was sent a confirmation of the canceled XXXX payment and was under the impression my account had plenty of money to cover my {$540.00} car payment, however the automatic car payment failed and was returned after the XX/XX/23 due date. Since this has occurred, I have been charged a {$20.00} late fee and will likely see a derogatory remark on my credit report due to Ally Bank 's failure to send funds as directed. The {$1100.00} should never have been debited from my account since the XXXX payment was canceled. This is the second failure of Ally Bank to transfer funds as I directed within 60 days. The first being a failure to transfer a mortgage payment. As such, I have closed my accounts with Ally Bank and am exploring my options in terms of legal action due to the damages I have incurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My company vehicle was unlawfully repossessed by Ally on XX/XX/2023. In order to regain possession of the vehicle the following week, I was compelled to make payment for XXXX months ' worth of installments, along with a repossession fee, a sheriff receipt fee, and a late fee. Despite Ally 's claim that I was in arrears, consistent payments have been made via certified cashier 's checks since XX/XX/2023. Notably, all five checks were endorsed and deposited into Ally 's XXXX bank account ; however, only two of the checks were credited to my account ( XXXX and XXXX ). I diligently contacted customer service on a monthly basis regarding this matter, yet they persisted in asserting non-receipt of the checks, even though I possess bank records indicating the dates of deposit and Ally 's bank details. Had Ally not committed a clerical error by neglecting to promptly credit my account, the entire repossession situation could have been avoided. I made every effort to resolve this matter through communication with customer service, but their calls have been repeatedly redirected to a " redemption center. '' At this point, I already made excess payments to reclaim my vehicle, rendering any further discussions with the redemption center unneeded. Their conduct amounts to consumer theft, and I will initiate legal proceedings if they do not promptly address and resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorize inquiries on my credit profile that I dont not recognize and never authorized to do it XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX 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 XXXX XXXX I did not authorize these companies to check my credit report. Thank you sincerely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49417
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A