Date Received: 2024-02-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Billing Error Notice and Request for Resolution - XXXX XXXX - ENDING IN XXXX To : Ally Bank Customer Service Date : XXXX XXXX XXXX Subject : Billing Errors, Missing Funds, and Disclosures - [ Account Number ] Dear Ally Bank, I am writing to formally notify you of multiple billing errors and missing information associated with my account, [ Account Number ]. Despite the fact that my account is being traded as a security, I have not received any proceeds. Additionally, each monthly billing statement contains errors regarding the amount owed and the proceeds reflected. Further compounding the issue, I have never received the Certificate of Indebtedness for my vehicle financed through Ally Bank. This document is crucial for my records and should have been provided upon loan origination. Therefore, I demand immediate resolution to the following concerns : Missing Proceeds : Please investigate and credit my account for all proceeds due from the trading of my security. Please provide clear documentation detailing the calculations and amounts. Billing Errors : Correct all inaccuracies in my monthly billing statements regarding the amount owed and the proceeds reflected. Missing Certificate of Indebtedness : Issue and send me a certified copy of the Certificate of Indebtedness for my vehicle loan at the following address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I have never received the required disclosures with my monthly statements. Please provide all missing disclosures immediately. I expect a prompt and comprehensive response to this matter. Please contact me within [ Number ] business days at [ Phone Number ] or [ Email Address ] to discuss further and confirm the resolution timeline. Additionally, please confirm that certified funds will be sent to the provided address to compensate for the missing proceeds. If this issue is not resolved to my satisfaction within a reasonable timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue other legal remedies. Thank you for your prompt attention to this serious matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX I was called 4 different times from this company ally bank, 2 of the calls were within an hour and a half of each other. I've gotten multiple calls late at night. From XX/XX/XXXX to XX/XX/XXXX I've been called at least 14 times. I will attach a screenshot of the calls received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42240
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need the inquiry removed. The violation made was 15 USC 1681s2 - Responsibilities of furnishers information to consumer reporting agencies. And may be in violation of 15 USC 1681 ( e ) -Procurement of consumer report for resale. The inquiry shared to other agencies is damaging to the credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This complaint is a follow-up complaint of the previous complaints ID XXXX AND XXXX. In the first letter dated XX/XX/XXXX, Ally Bank admitted that its online banking was down a lot that I could not make my bill payments. In that letter and the letter dated XX/XX/XXXX, Ally Bank denied that its online banking was down on purpose to discriminate me and treated me unfairly. In the letter dated XX/XX/XXXX and XX/XX/XXXX, XXXX kept saying they closed my accounts because I did not take good care of my accounts. HOWEVER, THE KEY HERE IS THAT XXXX FAILED AGAIN TO POINT OUT EXACTLY WHAT I DID WRONG TO MY ACCOUNT BESIDES I COMPLAINED IN THE PAST THAT THEIR ONLINE BANKING WAS DOWN A LOT THAT I COULD NOT MAKE BILL PAYMENTS. THIS PROVES THAT XXXX AND ALLY BANK ARE BIG XXXX LIARS. Ally Bank closed down all of my accounts just because they revenged that I complained a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: During XX/XX/2023, there was fraud on my OLLO card. I reported it and locked the card. Later that same month, OLLO ceased to exist, transitioning to Ally. Ally sent me misleading letters ( physical mail ), which have now stopped. Eventually, Ally credited my account with the missing funds. Then, in XXXX, when my balance became negative, I decided to spend this extra money and did so. A XXXX later, Ally Bank " adjusted '' my balance by deducting the amount of money they had previously credited. Since then, I have been trying to recover those funds, spending around XXXX hours on the phone. In late XX/XX/2023, I reached out to them through XXXX, and they credited my account, which excited me. That very same day, I called them to close my account and requested they send the remainder via check. During XXXX, I received letters stating, " You'll receive a check once we decide how much we owe you. '' Today, I called, and they said they don't owe me a XXXX. We are settled. But we are not. P.S. There's unprecedented situation with Statements, the bank have XXXX different set of statements for my account, like XXXX book keeping options
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified items must be removed. I have reported identity theft to the Federal Trade Commission at IdentityTheft.gov. I've reach out to each company for removal but nothing has been removed. ALLY FINANCIAL - 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 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account is showing a negative available balance, but it also shows a positive balance for current and unbucketed funds. Per Ally banks statement regarding unbucketed money " This represents the amount of your available balance that you haven't already allocated to your buckets ''. I spent 45 minutes on chat with a representative who initially told me it was being transferred to another account to cover a negative balance.. Then she said it was being held until the other account balance was brought positive. Then I had a 20-30 minute call with a representative who said that the money was being held because of a check that had not processed through yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my XXXX credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my XXXX credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : Ally Financial, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I returned my XXXX to XXXX XXXX and now I am seeing I have a balance of XXXX I have no idea what this balance is for. I have paid up my lease till the end. I want them to close the account to XXXX and no further collections or credit reporting. I have no idea what this balance is for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ALLY FINANCIAL reported an inquiry on my consumer report without fully disclosing such information would be reported upon my initial communication. They also failed to provide me with an option to opt out of sharing my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A