Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Response to CFPB # XXXX, XXXX Just today I received a response from XXXX with Ally Financial XXXX I do not have her email therefore I want to sum up this whole ordeal as I understand it and hopefully she can tell me if I am correct in the understanding? I took out a XXXX loan with Ally in XX/XX/XXXX and never once have missed a payment so much as even a day late. Not once. I co-signed for man daughter back in XXXX. She turned her vehicle in XX/XX/XXXX and later received a note saying she owed XXXX. Then in XX/XX/XXXX she received another letter stating she owed a new balance of XXXX. At the time she turned in the vehicle she was told she had to pay an additional XXXX monthly to compensate for her over mileage. We assumed that was the end of that. Then XX/XX/XXXX a letter came to the house saying she owed XXXX. I immediately sent the bill to her and she paid it. Now, I find a charge off on my credit report saying I never paid the XXXX. We moved from XXXX XXXX XXXX XXXX in XX/XX/XXXX to XXXX XXXX XXXX. Supposedly there were many attempts to collect that debt from me for the XXXX that I never received. I took out the loan for XXXX in XX/XX/XXXX so Ally certainly had my address. Why was mail still being sent to XXXX XXXX XXXX XXXX, I am and have been paying XXXX a month since XX/XX/XXXX and never once been late or missed a payment. Common sense tells you I would pay XXXX had I known. How many times was I contacted via phone? None. How many letters were sent to my new address XXXX XXXX XXXX? Not one. I have been a loyal Ally customer and I get XXXX charged off? That's the thanks I get? Unbelievable is all I can say. I will add, just today I sent letters to Ally CEO XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Ally XXXX XXXX XXXX. Not to mention Ally offices in XXXX Mn and XXXX Ky. I had no idea this was all over XXXX because today was the first I'm hearing about it. I assumed it was over the XXXX I am and have currently been paying. Come to find out the collection company said in the letter to my daughter she had XXXX amount of days to pay and avoid collection. She paid within that time frame yet Ally still charges off the XXXX and puts it on my credit report all the while I had no idea it was even owed? Unbelievable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: I was attempting to purchase a home and noticed I had erroneous, inaccurate and damaging information reporting on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report because this is a defamation of my character. I am hereby requesting all erroneous, inaccurate and damaging accounts not be updated but removed from by credit reports as required by law immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, I wish to report an incident that occurred between me and Ally Bank on XX/XX/2022. I was sent a payment of {$370.00} through the XXXX XXXX, to my bank account at Ally Bank. This was an amount owed to me by someone that I know, who reimbursed me for a service provided, which I have a receipt for as proof. A few weeks after the payment was made, the person who made the payment contacted their financial institution, which is XXXX XXXX XXXX, with a claim that they sent the funds to the wrong person, and challenged the payment demanded back the funds. Per the terms and conditions of XXXX, XXXX transfers are irreversible, and not refunded if both people are verified members of the XXXX network. I checked my account one day, and noticed that the balance was not correct, and called Ally Bank to find out why there was a discrepancy. They informed me that they sent the money back to XXXX Bank as an ACH Debit without informing me, and regardless of the fact that they had no legal right to return the funds. They also advised that it would not be possible to dispute the transaction. I spoke to Ally Bank numerous times and told them I have the proof that the payment was valid, and that she sent she funds to the correct person. Allys response was to either hang up, or refuse to deal with the matter, regardless that they knew that they had no right according to XXXX terms and conditions to return the funds ( which is why they did it as an ACH Debit ). Ally Banks attitude and illegal policy based on made up rules shows they have no concern about the law, policy and have no regard for their own customers. Their attitude toward their own clients is reprehensible, and they are in violation of the Federal Bank Act. The FTC will also be informed of their violations and be asked to review any other complaints to see how many times Ally has done this in the past, and ask that the FTC start criminal action against this bank. I want that this complaint to go public, so that in the future they will never do this to any of their customers again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I submitted a previous CFPB complaint regarding a negative credit bureau reporting ( Complaint # XXXX ). The company recently responded denying any wrongdoing in the matter that was presented. While I have received that information, I do not agree with it and have made 3 previous attempts for further investigation into this matter. In addition to the fact that my account was only 29 DPD, and I received a negative 30 day reporting, I spoke to an Ally supervisor on Monday, XX/XX/XXXX which was 3 days before the payment was made to ensure I was receiving correct information. My first call was on Saturday XX/XX/XXXX where a representative was unable to give me clear and accurate information on if I would definitely avoid a XXXX by paying on XX/XX/23. I followed up on the XXXX with another and spoke to a supervisor who assured me that as long as the payment was made before XXXX EST on the XXXX, I would avoid a XXXX. I proceeded to cancel my payment that was scheduled on XXXX, and completed it on the XXXX. I have requested on 3 separate occasions that Ally review the recorded conversation with the supervisor to see that I was clearly given incorrect information. Each time I am told to wait 3-5 days and someone will follow-up but that has yet to happen. On the second attempt of requesting the call to be reviewed, I was told there is no record of a conversation. I have attached a copy of my phone records showing a 25 min call to Ally 's number. At this time I am demanding that Ally locate and review the recorded call from XX/XX/23 where a supervisor advised me of misinformation regarding when I could pay. As a result of that call, I am therefore demanding that the 30 day XXXX be removed from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I tried to pay off our car loan XX/XX/XXXX I sent ally auto loan XXXX in which they refused to give me the payoff amount because I was trying to pay it early. They offered a 3 yr extension due to Covid 19 and the economy was shutting down. We made 2 yrs of payments and was never late before this transaction. I took the extension thinking I had 3 yrs of no payments when they only gave me 30 months instead of 3 yrs. Today XX/XX/XXXX they came and took my only vehicle and told me I had to pay XXXX to get it back. This is fraud and theft! I called all day to ally and was hung up on and told me they cant do anything. This caused a great hardship on our family. I have the emails that was sent to me on the extension and all my payment records. Every time I ask today how much I need they add on XXXX dollars. Whyyyy are consumers not protected anymore? Why are they giving me a run around? I have spent XXXX dollars on a vehicle that is a XXXX and we have had it for 5 yrs now. They waited until I was 5 months behind and I had no clue until they came to get the vehicle. A customer rep from ally told me they would work with us but instead they made my situation worse! Hardship on families is not ok. Lying to customers is not ok. I told them I was recording our phone calls today and they told me that was not allowed and hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42101
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is in reference to my complaint ID XXXX. I have sent several secure messages through Ally Bank to try and a Letter of Indemnity ( LOI ) for my initial complaint with Ally Bank. I wanted Ally Bank to send XXXX LOI to the mailing address on file and another to a fax number that was provided to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). In my previous complaint, they claim to have sent an LOI on XXXX occasions. I reached out to Ally Bank asking how it was sent over and I did not receive any receipts. On XXXX occasion I was told it would be 7-10 business days from the date my case was made on XX/XX/2023. In this message, I was told that your issue has been escalated to the highest level in our Executive Customer Relations. Today XX/XX/XXXX I messaged Ally Bank to get a response What Ive done to better assist you is to request to have your request escalated. Please allow XXXX business days to process the request. I do not understand how something can be escalated past the highest point of escalation. They did mention in the same message, I do not see that the letter has been sent out at this time. It appears there were no issues sending out the LOI previously. There seem to be no receipts on previous attempts to send out this letter. I asked Ally Bank if it was possible to send via secure messaging and this was not possible. If Ally Bank could even email me the letter or even submit it as an answer to this claim that would be appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10591
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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: In XXXX of XXXX, I noticed charges on my card that I had not authorized. I called Ollo Card Services to make them aware and request assistance. I, initially, spoke with the disputes department. They told me that I needed to speak with fraud department. I did and was told that there would be an investigation. They removed the fees from my card. I thought that everything had been resolved. The next month, the charges reappeared on my statement. I called Ollo again and was told that they were new charges. I requested and received a new card because we figured the card had been compromised. The charges were removed again. This happened again the next month with the new card. I called Ollo again telling them that I believed that someone in the company had to be involved because there is no way that someone would have access to my new card. I requested and was given another new card. The charges were removed. When I received the final card, I immediately locked it. It has remained locked ever since. XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that they ( Ollo ) had decided to deny my claim and added {$620.00} back to my account. It said that I had 10 days to respond to the letter. I called Ollo again questioning why it was denied. I was told that they investigated and found that I must have done an online survey or agreed to pay for shipping on a product that resulted in the company, that I agreed to this with, selling my information. I stated that I hadnt done either of those things and asked for proof of that transaction. She said that it was done online and there was no proof. The agent stated that this is not fraud and that I needed to speak with the disputes department. I argued that that would be the very definition of fraud. She did not budge but stated that she would transfer me to the disputes department and stay on the line to explain my situation to the agent. She transferred me and hung up as soon as the agent answered. I spoke with agent. He told me that the charges were too old to be disputed. Basically, I talked to the disputes department and was told that I needed to speak with the fraud department. I spoke with the fraud department. It took them almost a year to tell me that I needed to speak with the disputes department. At that point, it is too late for the disputes department to act on it. I have told them that I am trying to purchase a home and that this is destroying my credit because they keep adding the fees to the card just before reporting it to the credit bureaus. Please help me get this resolved. I do not believe that I should have to eat these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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: Contacted Customer Service XX/XX/2023 about a re-occuring charge on my account. I thought that the issue was resolved. However when I recieved my new statement for XX/XX/2023 I see that it was not. I also contacted the Vendor number listed on the card and attempted to cancell this charge. The Customer Service person that I talked to did not speak or understand English and I do not speak XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46060
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ALLY BANK repeatedly freezes my bank account / debit card without notice. I am a 100 % XXXX veteran and my pension is deposited to my ally bank checking account every month. I have all of my monthly bills set to autodraft off this Ally Bank account. However, on at least 3 occasions during the past 6 months Ally Bank has frozen my bank account without notice and without the courtesy to confirm whether or not I authorized such banking transactions, the end result which affected my ability to pay my bills on time and negatively impacted my personal credit score. This week my account was again frozen without notice or communication from Ally Bank as I only discovered my account was frozen when I attempted to buy grocery. Nonetheless, I contacted Ally Bank and their only response was that they will contact me in 1-2 business days which in this event due to the holiday it will be 7 to 10 calendar days before Ally Bank responds to my inquiry. Meanwhile, I am unable to pay my bills or buy grocery and medicines. I don't understand why Ally Bank continues to randomly freeze my bank account without notice and then expect me to wait 2 weeks before I can access my pension funds. At this time, I intend to notify the Department of Veterans Affairs to warn other Veterans not to bank with Ally Bank or do Business with Ally Bank so that they are not victimized as I have been by Ally Bank 's unexplainable fraudulent policies and repeated failures to notify the bank account holder that Ally Bank suspects anything fraudulent with their bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Company called at XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A