Date Received: 2023-05-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Consumer Financial Protection Bureau Attention : [ Complaints Division ] XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint against Ally Financial for Misleading Account and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint against Ally Financial regarding a misleading account and to request an investigation into their practices. I have been contacted by Ally Financial, who alleges that I owe an outstanding balance. However, I believe that their claim is inaccurate and misleading. I have repeatedly requested Ally Financial to provide proof of the alleged debt, including payment history and any other relevant documentation supporting their claim. However, to date, they have failed to provide me with the requested evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX FL XXXX XXXX XXXX XXXX XXXX. Authorized Reps from the finance department negotiated vehicle payments between Ally Bank and Myself. My original initial payment date was then XX/XX/XXXX. Due to Vehicle registration issues I returned to XXXX XXXX on XX/XX/XXXX, when authorized reps re-negotiated my vehicle payments between Ally Bank and Myself. I then was told and given documentation from authorized Rep for a new initial payment date of XX/XX/XXXX. I then proceeded to make monthly payments from the new date of XX/XX/XXXX. The system at Ally Bank only recognized the original initial payment date. After multiple phone calls and emails with Ally Bank customer service they ultimately tasked me with the responsibility of getting their authorized reps at XXXX XXXX to send in new paperwork. Even though I had already sent in my copy of the paperwork and informed them of previous attemps to do so. Ally Bank has refused to recognize my new payment date and charged me unfair late fees and improperly reported payments to credit bureaus. This is a violation of CFPA 1036 ( a ) 12 USC 5536 preventing service providers from committing or engaging in unfair deceptive or abusive acts or practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from a private seller on XX/XX/XXXX via a loan from XXXX XXXX XXXX. On XX/XX/XXXX I woke up and the vehicle was gone from my residence. I tried to file a police report assuming it was stolen and the XXXX was ran and came back as repossessed by Ally Bank. I have no connection to Ally Financial, nor does the seller. They have offered zero help and have just taken my vehicle with zero notice or warning and now XXXX is asking for the money they lent out back. I am up to date on all payments and did not do anything to warrant a repossession of my property, nor was I warned of this happening. It may be important to note that the person I bought it from purchased this vehicle from an auction by the XXXX XXXX XXXX. The vehicle DOES have a lien on it from Ally Bank but it does NOT involve me or anything I have done so I was hoping they would help me and they have offered nothing. Now I am out a vehicle and potentially money I dont have. Ally should be held accountable for taking my vehicle from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023, I sent in documentations to verify my identity with Ally Financial services. I'm going to assume the information was recieved because they sent me a card on XX/XX/2023. On XX/XX/2023, I attempted to add my card to my XXXX XXXX account and I contacted to verify the information to successfully add it on to my account. However, when I was contacted I was told because I just got the account and because I didn't call from my number that's on file ( phone was dead ), that I needed to send all this information in again because they believe it's fraud. To be accused of doing fraud towards myself is beyond me and then each representative I spoke with had a disgusting attitude and demeanor. There's absolutely no reason why I need to keep sending all my personal information to this company because it's beginning to feel sketchy and fraudulent. I also want to put on record that I am lawyer. I've also uploaded proof that I sent this information to this company on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: Letter for Ollo Bank XX/XX/XXXX ATTN : Disputes Department The three charges that I need re-opened on case XXXX, and thoroughly analyzed for the three specific charges in question ( four if we dispute the writing service on XXXX ) ... the fact is I have not been provided the services included on this page and furthermore, they are for FUTURE services and that is unfair, unethical, unprofessional, and should be illegal to hold on to my money for : a. Services not fulfilled within timeframe of one month, and b. Services to be fulfilled for future books! If I am done with you then I do not want my money to be held for something I paid you to do in the future. We did not sign any contract! And I was told in writing ( on email for Book Marketing proposal ) and by phone- MONEY BACK GUARANTEE. On XX/XX/XXXX, I paid {$1400.00} to go towards the $ XXXX XXXX XXXX marketing program that promised to sell me XXXX copies in 12 months or my money back. I have not even sold XXXX copies by XXXX and when I expressed my dissatisfaction with this service in XXXX, the merchant refused to give me my money back. I have already provided evidence showing what XXXX XXXX I paid for ( guaranteeing XXXX copies within the time frame amongst a host of other services yet to be completed but still being promised to me by XXXX ). On XX/XX/XXXX, I paid {$3200.00} for an ADDITIONAL marketing program for XXXX months beginning in XXXX ( receipt provided ). This is the biggest red flag for all purchases. I was promised to make $ XXXX for XXXX months in this marketing program. The payments were supposed to start around XX/XX/XXXX and when they never came, I asked XXXX why the service was not fulfilled and delivered, and he only offered an apology and offered to move money towards book writing services for Book XXXX and XXXX. However I became displeased with XXXX XXXX mediocre writing, so why not refund me for future services that I have paid for in advance? I asked for a refund eventually after continued disappointment and failed marketing attempts, and he said he could not because I expressed my satisfaction, however, this is a contradiction because I brought dissatisfaction to him on this instance and another with book XXXX writing to him via text and his assistant XXXX by email. ( See snippet below ) Additionally, the proposal says MONEY BACK GUARANTEE. This is an example of his greed and unprofessionalism. There is no reason to hold on to money for advance services when he could not even fulfill on XXXX XXXX and XXXX services. The writing was so bad and slow, we only got to Chapter XXXX out of XXXX, and this XXXX book project was paid for in XX/XX/XXXX and was supposed to be completed by XXXX. When they told me they had to break the books into XXXX writing projects ( not written together as originally promised ), book XXXX should have been completed 30 days later by the end of XXXX. However XXXX XXXX only got finished by the end of XXXX and my first sale was on XX/XX/XXXX. But again, I was supposed to be having a vigorous marketing campaign that was to make me {$2500.00} a week, but I have only grossed around {$1000.00} by XXXX ( when my sales stopped ) ..and only sold about XXXX copies ( out of the XXXX I was promised within 12 monthsvery frustrating!! ) For final charge on my card, I paid {$200.00} on XX/XX/XXXX to go towards an audiobook for Book XXXX ( yet to be worked on or written ). Again, this money is for XXXX XXXX does he need so much money for book services that are future deliverables, when book XXXX and XXXX have yet to be done audibly? To this day, I have no proof of an audiobook for completed book XXXX I have paid for XXXX XXXX, XXXX, and XXXX audiobookshowever he has an issue with refunding something we have yet to complete? Sounds greedy and fishy to me. I should get my money back for services not done ( Book XXXX ) and yet to be completed ( XXXX XXXX, XXXX, and XXXX )!! Lastly I want to point out that I was talking to XXXX almost every day. And if I was not reviewing my chapters, he was marketing to me, promising me big dreams, selling me more services that were supposed to make me some rich and famous author. While in the beginning, the writing was good, and then I saw my own website, so the company seemed legit and well-to-do so I went along. I was content and approved writing for book XXXX, but the writing services ARE NOT BEING DISPUTED. Even though I paid for XXXX books to be written originally in XXXX with XXXX card on XX/XX/XXXX for {$1300.00} with Sr Consultant XXXX XXXX, and we have NOT finished Book XXXX due to my dissatisfaction, I still did NOT dispute this charge. But after seeing how XXXX is attempting to fight me for this, I should dispute for half of that because all of the writing was not done, but I am not greedyI only want what is right and what is mine. Additionally, when he saw I was disputing, he asked me to drop disputes and he would refund me on the marketing end ( text attached ) ; but I would be taking a big risk and chance if I did that right? When I noticed that the marketing never took off the ground for me and I wasted an additional $ XXXX on XXXX the proof being in the failed marketing and my low numbers of copies sold and income grossed, topped with the mediocre writing for Book XXXX is when I realized it is time to get out of this bad business relationship! He called me right away when I emailed him to request for refund and spoke to me trying to plead with me but said he would honor my refund as he mentioned before and in writing. But then he came back with a nasty email later saying I was satisfied and he could not honor..that does not even make sense!! He is leaving out key information in this email to make himself look good. Why would I invest $ XXXX in marketing service, only to get $ XXXX back. The part that he leaves out is the part where he says that I will make $ XXXX with the XXXX additional ( XXXX marketing plans that I bought ). But please read between the lines, I have no reason to lie on a company that I have invested so much in for the betterment of myself and my financial situation. I spoke with XXXX today and she said they would open back up my case granted I give them a letter to disputes department. I am just going through this with so many banks right now and it is frustrating because I have provided thorough details... but I did some more digging and provided more evidence and hope this can help with a resolution. Suing this company out of state would be a last resort along with bankruptcy. I do not mind sending Ollo my entire log of text messages that XXXX and I have exchanged, because I have nothing to hide and I need you to see the deception going on. I am a very friendly girl but as you see in this case, your kindness can be taken for weakness and XXXX used my friendliness against me in the end, claiming that he was my " friend ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 1. Ally bank sent alert email about putting my chk account XXXX profile on hold on XX/XX/XXXX at XXXX XXXX saying they didn't receive the verification they needed to process a payment. 2. Then after about 30 mins later ( XX/XX/XXXX XXXX XXXX ) they sent the payments anyway w/out my approval/consent. Two big transactions were : {$4800.00} ( went to XXXX XXXX ) and {$800.00} went to XXXX XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX XXXXThere were fraud transactions that happened that were not authorized by me. Looks like hackers were able to add recipient and initiate XXXX 4. Ally called few days later and we opened the disputes. They mailed dispute open letter on XX/XX/XXXX XXXX. They started investigation but concluded that there were no errors relating to those transactions. They Mailed dispute investigation completed letter on XX/XX/XXXX. 6.We had been talking to their fraud dept and was expecting a copy of investigation report they use in decision making by XX/XX/XXXX which didn't come. Also, was expecting the report in email but that didn't come either. 7. I called today ( XX/XX/XXXX ) and fraud dept now said we need a court subpoena to get that report. Till today, we don't know how Ally came to their conclusion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX You are in Direct violation of the Fair Care Act Reporting ( Account Name and Numbers ) 15 U.S.C 1681 section 602 A. Clearly states that i have the right privacy. 15 U.S.C 1681 Section 602 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payment and update the account information immediately as yu are in direct violation of several laws under The Fair Credit Reporting Act!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68164
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XXXX, I received a notice from XXXX XXXX alerting me to the fact that some tried to open an Ally Everyday Cashback Mastercard. It was denied. I then spent multiple days going back and forth between Ally and XXXX to determine how to get this inquiry off my account. XXXX was saying that Ally needs to electronically request for it be removed while Ally told me they couldnt find an application with my name or social. XX/XX/XXXX, I mailed a detailed report to XXXX and filed a report with the CFPB. XX/XX/XXXX, I received notice from CFPB that Ally was looking into it. XX/XX/XXXX, I received an email from CFPB saying that Ally agreed that the hard inquiry was fraudulent and that they requested to have it removed. Fast forward to today, XX/XX/XXXX, and it is still showing on my account. Again, XXXX said deposits having received my report Ally didnt not request to have it removed and that Ally would need to for them remove it from my report. I spoke with Ally who again told me they could not retrieve the application. I am just trying to get this fraudulent inquiry off my account without all the back and forth. The original case id is : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There are two simultaneous complaints. Ally Bank recently sent me a new debit card. I activated the card in mid XX/XX/2023 and have been using the card without issue. Today on XX/XX/XXXX, I tried to use the debit card for a XXXX XXXX purchase and the card was declined for a {$5.00} purchase. Since there way more money than {$5.00} in the account, I called ALLY immediately. I spoke with a customer service rep [ by the name of XXXX. Her response was the card is showing " inactive, '' yet it was activated XX/XX/XXXX and used MULTIPLE times. I then speak with a supervisor. He is telling me there is nothing they can do but issue me another debit card where I have to wait 5 business cards. That is unacceptable. Moreover, there is an additional complaint for a {$1300.00} purchase dispute for a item cancelled same day as purchase with XXXX and the seller XXXX XXXX. I called Ally Bank FIVE times spoke with three managers. They said they would send via email a link to upload all the supporting documents. Not only did they NOT sent the link, the CLOSED the dispute ON THEIR OWN without allowing me to upload the required documents. THis is lazy, inept, and indifferent to a long time client
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A