Date Received: 2023-06-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I funded my savings accounts on three separate occasions to my Ally bank account The first was on XX/XX/XXXX in the amount of {$60.00} The second one was on XX/XX/XXXX in the amount of {$110.00} the third was on XX/XX/XXXX in the amount of {$50.00} Once the funds were received, I allocated them to my savings buckets within my Ally Savings account. The money was available until I started to receive a message that read something to the effect of buckets unavailable, please try again later. I then called Ally on XXXX and spent a good amount of time on the phone with their rep who was not very helpful and requested screenshots of the transactions, which I sent over and they said it would be escalated. I called the bank again on XXXX and was told that there was nothing they could tell me other than a tech team was working on it. It is now XX/XX/XXXX and I have had no word back from the bank and I am still out {$220.00}. I have transaction logs of the money being deposited and allocated to my savings buckets. I have researched and it seems that other people have been having the same issue, so who have been waiting 5 months and still no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Id ask Ally lending to send me a copy of the loan application they put in a request for the application according to Ally lending, that would take 7 to 10 days according to them when I got in touch with them after the 10 days they said that they didnt have that information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I received an email from Ally Finances/ Ally Auto that I had entered a 4 month catch up plan. On the plan it stated that I would pay my monthly bill of XXXX plus extra to catch up on miss payments for XXXX and XXXX. The email states that I have payment would be made the XXXX of each month and I would return to regular payments once the plan was complete. I paid XXXX each month through ach payments. Completing my plan on XX/XX/XXXX. Last week I noticed I was receiving calls from ally. Today on XX/XX/XXXX I received a call that I was XXXX days behind on my payment for XXXX. They stated that my catch up plan caught me up until XX/XX/2023 even though the catch up plan ran til XX/XX/XXXX. they said they received my confirmation for my catch up plan on XX/XX/XXXX but I also owed a bill for XXXX thats XXXX dollars. I feel my agreement was broken as they explained that I was not paying the principle of XXXX each month and that the plan covered the months before. So my XXXX payment went toward XXXX and so on. This does not align with what I was told over the phone and what I viewed on my account when the payment was confirmed. I was told my regular payments would start back in XXXX after my catch up plan was complete but they started in XXXX. Meaning I would have to pay my catch up plan bill of XXXX and another bill for XXXX thats XXXX on top of lates fees. The catch up plan essentially did not catch me up. I called, chatted and sent a secured message via chat. I requested to see documentation of the original agreement and they said they cant give me that information. I am very upset and feel mislead. When I entered the agreement I was not told that my principle of XXXX would be applied to the month before that and I would have to make XXXX payments in XXXX. I have had an extension before and payed on time resuming regular payments with no problem. At the least I would like to see the original plan details and know why it was explained to me differently over the phone when I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The lender closed the account XXXX XXXX and on XXXX XXXX they sent someone to steal my car while my kids where inside crying scared for their life. I also put in a cease and desist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I called XXXX on XX/XX/XXXX regarding a late payment in XX/XX/XXXX. I was requesting it be removed since I had COVID and stuck on quarantine. They told me that XXXX will not do any goodwill adjustments. I don't really consider this a goodwill adjustment since I had no opportunity to make the payment. I made the payment as soon as I could and my account as been current ever since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Bank has frozen my check and savings accounts, and is refusing to reopen them, because they claim that they were unable to verify the identity of my wife ( who is a joint account owner for these accounts ) during a recent phone call she had with their customer service department. When asked, Ally Bank informed me that the birthday my wife provided to them on the call ( for verification purposes ) did not match the one they had on file for her. We have double-checked the form we originally sent to Ally Bank when I first added my wife as a joint account owner of my checking and savings accounts, and have confirmed that the birthday provided on the application form is indeed her correct birthday. This indicates that Ally Bank made an error when inputting her information provided on that form into their system, resulting in the birthday they have for her on file being different than the one we provided to them ( the one we provided to them being her real birthday ). I have spoken with Ally Bank multiple times about this, but they continue to insist that there is nothing we can do about this until they " complete their investigation ''. This process has been ongoing for weeks now, leaving me without access to any of the money in both my checking and savings accounts. If the issue is not resolved quickly, it will result in me incurring significant fees as my bills ( auto loan, credit card, rent, etc ) start to pass their due date. Ally Bank has informed me that they will not reimburse me for any fees, penalties, or interest I will incur as a result of not having access to my money due to an error Ally Bank themselves made, and to which neither I nor my wife had any control over. I have sent a copy of my wife 's government issued ID showing her correct birthday, but Ally Bank has refused to do anything with this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I the subject : XXXX XXXX sr does not owe this debt. Ally bank on XX/XX/2023 illegally and without an court order signed by a Judge or the clerk there of. Froze my CD account and is illegally holding my money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: For more than a year and three months, I have attempted to make contact with the ALLY company in an effort to satisfy my debt ( auto loan ) but only after negotiating a lower, more fair final price for my situation. I have made contact and so has my lawyer as well as close family members. We are sent back and forth between different departments or call centers and none of them are ever able to directly answer my questions or help me with this negotiation. I have had the same/ similar disputes with other companies and each time we are able to achieve a resolution and come to a reasonable agreement. I am aware also that class action lawsuits against this company are common due to their predatory lending techniques and unfair treatment of borrowers. I don't wish to pursue litigation against this company at this time. I solely prefer to resolve the situation so that we can mutually benefit from the negotiation. They receive payment of the debt and I have a written receipt of payment and derogatory information removed from my credit report. I understand a company having perhaps a staffing problem and maybe their negotiation department has been understaffed and that could explain the problem. I know however that a business is responsible for their employees as well as its " treatment of customers. I feel that I have received unfair treatment from Ally. I have wasted valuable time as well as energy and have suffered XXXX and XXXX related to the handling of my debt with this company. I have struggled to be present and mindful in both my personal and professional life. Since XX/XX/2022, I have made contact with ALLY either weekly or monthly. In XXXX XXXX XXXX I was finally sent a bill of sale for the vehicle which was repossessed and sold at auction. I have since attempted to negotiate a settlement with the company through the company 's online customer portal and by phone. All my attempts to reach someone who is willing to negotiate have been unsuccessful. The worst situations, multiple days in which I had been placed on hold by their redemption center, In house collections and ally account servicing for the entire day from XXXX XXXX cst to XXXX cst. I have also been sent straight to voicemails/answering machine to which I leave my information only to never have my call return. I feel out of options so that is why I am writing to consumer finance in hopes that something can be achieved or accomplished with reaching the ALLY company to resolve my account issue. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/2023 - The original problem began on XX/XX/2023 when a payment was made but was not posted for 11 days overdrawing my account. I repeatedly tried to make payments, which resulted in returned payments. Then I changed my payment source. The first payment was accepted. In trying to bring my account up-to-date, I made payments from the new account in the amount of {$1400.00} which were posted, but then mysteriously disappeared. These funds were not returned to my account, making me unable to make certified payments that they now require which notification came after the payments were made. Posting payments 9 - 11 days after the payment is submitted is unacceptable. Notification of requiring certified payments after receiving payments are unacceptable. Hanging up on someone who is desperately trying to bring an account up to date is unacceptable. Hanging up on someone who is trying to make advance payments is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. Ally place a late payment in my credit report and days later sent me an email with the car being paid in full. I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A