Date Received: 2023-05-10
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I was trying to open and account, had some questions. I called and spoke to a male operator who did not know the answers, I asked for a supervisor when he hung up the call on me. I called again, and this time I got a supervisor on the line, but the supervisor did not know the answers and started giving me misleading responses. I called a third time and got another supervisor on the call. I asked her to get the bank 's executive office to contact me, she said she will escalate this to the executive office and they will reach out to me within two business days. I never heard back from the executive office. It appears that starting from the phone operators up to the executive office all people at Ally are 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: 90046
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I received a transfer through XXXX from my dad for {$1000.00} and another on XX/XX/23 to use as a deposit on an apartment. These are immediately available funds. I then proceeded to make a transfer of {$2000.00} to the owner of the apartment as the deposit. The transfer was unable to be processed and the app informed me to call the bank ( Ally Bank ). I called, and they said the transfer could not be verified. I spent nearly XXXX hours on the phone with them across multiple phone calls on XX/XX/23 trying to get my information verified. During one of those calls, the customer service representative hung up on me because he didnt think he was speaking to the account holder ( his words ). I was then fully locked out of my online banking account. Upon calling back on XX/XX/23 I was informed that they had frozen both my accounts, so I would be unable to use my debit card or receive any funds or use the account in any capacity. I was even told that I would not be able to verify my information via email, even though that is already a verified method of communication and has not changed in years. They then said there was nothing else they could do and the issue would be escalated to Loss Prevention. I had not heard from Ally since then, so this afternoon at XXXX I called them again. I spoke with a customer service representative who transferred me to a loss prevention representative. That loss prevention representative stated that he would disconnect the call and call me at my contact number on file ( this was confirmed during the course of the call ). He disconnected the call, I waited 5 minutes and did not receive a call. I then called the bank again and spoke with both customer service and loss prevention again. I was informed that they had no record of me speaking with loss prevention today and that there is nothing further that can be done until loss prevention can verify my phone number. Every time I have called the bank, I have used this number and it functions fully. My phone number was changed with the phone company on XX/XX/XXXX and shortly thereafter I updated it with Ally Bank online and seemed to have no issues until XX/XX/. I requested that my account be closed and was told that they can not do that either until my phone number has been verified so they can properly identify me. This is now the 5th day of this issue ongoing and I need access to my account, funds, and livelihood and the bank is doing nothing to progress this to resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Ally continues to send statements requesting to make payment. XXXX checks have been sent to them to address this issue, twice. Ally Bank refuses to release title from car loan to The total amounts of car loan has been paid. Below you will see copies of statement from Ally Bank addressing this issues. Copies of checks send to Ally by XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: After 20 years, my account is temporarily blocked for two months. Everyday is the same response - we know what the problem is. I do believe that technical support is intentionally denying access so that some of the many cd, and savings accounts that I own with them are going to go missing. I have numerous tickets open, but no access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Call from ( XXXX ) XXXX Claiming to be Ally bank, collecting late payment on auto loan. They knew my name and I foolishly gave my social. But they didnt have my address so then I knew something was wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I called the company today on XX/XX/2023 and spoke to a representative who refused to give me her name. I requested information on the payment history and she said she can not give me any information except I owe {$440.00} on XX/XX/2023 and a payment was made on XX/XX/2023. I requested to know when the payment had been made and why I did not receive an email. She said I can not give you any information. I am confused why I am still locked out of my account as a main borrower on the loan. I have also submitted a local police report on Ally Auto for breeching my privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Sharing credit information with unauthorized parties, this isnt legal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, My name is XXXX XXXX XXXX. I am a Consumer who currently resides at XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX in XXXX County , did not give Ally Financial Inc. permissible purpose, nor did a court of competent jurisdiction issue an order for Ally Financial Inc. to furnish an inquiry to XXXX, XXXX. Ally Financial Inc. and XXXX, XXXX. have both been placed on a Cease and Desist regarding this inquiry. Ally Financial Inc. and XXXX, XXXX. are both violating the Graham-Leach-Bliley Act ( 15 U.S.C 6801, 15 U.S.C 6802, and 15 U.S.C 6803. Also, Ally Financial Inc. and XXXX, XXXX. are committing Aggravated Identity Theft by transferring my nonpublic personal information without the lawful written consent of XXXX XXXX XXXX, Consumer. I, XXXX XXXX XXXX, Consumer, did not receive any benefit from this transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: On XX/XX/XXXX, I filed a complaint dispute for a fraudulent charge on my OLLO credit card with OLLO. The charge was from XXXX for {$31.00} and I did not make this charge. The OLLO card had not been used for any purchases since XX/XX/XXXX and had a balance of {$0.00}. I was told by a representative that they would report the fraud charge to their security department, and it would be resolved in about 2 weeks. After two weeks it was not fixed and was transferred to another department for dispute resolution, then transfered back to fraud, back to dispute resolution, back to fraud, and finally to security. By XXXX, the claim had been bounced around unresolved for two months. I began receiving emails from OLLO telling me that they were applying late fees on my card, interest, and that they were reporting to my credit late payments. By this point, I had contacted OLLO by phone over 18 times and had spent almost 15 hours total on the phone with different reps. I was assured that this was being taken care of, that non this would not be reported to my credit as it was not my charge, the late fees would be taken care of, and not to worry. On XX/XX/XXXX, during my XXXX phone call to OLLO I was told the fraud charge was finally being reversed along with the late fees and interest charges. However, this did not take place and on XX/XX/XXXX I discovered OLLO had reported this to my credit, had only reversed ONE fee & the fraudulent charge. I have asked for my calls to be reviewed, escalated, called over 28 times, spoken with countless employees and am not being helped. On XX/XX/XXXX, I spoke with a banking manager at ALLY who owns OLLO 's banking and was told I had to pay the late fees on the charge I never made and had been disputing since XX/XX/XXXX. I was also told by the same manager that they can report it to my credit for non-payment even though the fees were illegally applied to a fraudulent charge that had been deemed fraudulent. This is in direct violation of the fair credit act. A company is not allowed to report a late payment, charge fees, or charge interest on a charge that is in dispute or deemed fraudulent. I have tried to work with OLLO for almost three months and the situation is becoming worse and now they are illegally charging me fees and illegally hindering my credit report. I am NOW in grave fear this company is intentionally hindering my credit as I have made every effort to resolve this issue. I fear I am being bullied into paying fees I did not cause as this company will illegally report things on my credit report. I have attached screen shots showing the illegal fees being charged on a fraud charge. The letter showing the fraud charge being looked into & removed. I have also attached where it shows OLLO reported this to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A