Date Received: 2024-02-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have had a checking account with ALLY BANK for over XXXX ( XXXX ) YEARS. Recently I started using XXXX to transfer money in my other bank accounts and decided to do the same with ALLY BANK. In ALL OF THE OTHER BANKS, the funds were transferred instantly ( within minutes ) with NO PROBLEMS. In the case of ALLY BANK, the funds would not arrive until Wednesday, XXXX XXXX XXXX after being sent on Sunday, XXXX XXXX XXXX I inquired through chat about this and was told by XXXX first that there were XXXX levels of speed and that I should have chosen " instant '' instead of " standard. '' In fact, there was no XXXX menu. I was NOT GIVEN AN OPTION BUT RATHER THREE DAYS TAKE IT OR LEAVE IT. Later the same person told me that if I tried on Monday, the money would be sent in minutes. I asked for a supervisor. The supervisor repeated the same dialogue insisting that I chose wrong. I stated that I had earlier spoken to the people at XXXX who informed me that XXXX transactions take minutes and that anything longer is not XXXX and fraudulent use of the XXXX name. Next the person ( supervisor - XXXX XXXX told me that there were " other factors '' that determined the speed of transfer. These apparently are secret since she did not disclose them. I call this fraud. ALLY BANK should not offer XXXX if in fact the transaction is identical in speed to a standard ALLY BANK TRANSACTION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They first called me about a friend of mine. I could not help them. Then they started combing my socials calling people Im connected to asking for me!!! I have no debt with these people. I never took out a loan with Ally Financial. They need to stop. Friends are reaching out to me concerned and worried.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a customer with ally since XXXX. My checking and savings accounts were locked due to me attempting to deposit a check i had already tried to deposit at XXXX XXXX and it wasnt accepted by them via mobile deposit. A wells fargo rep told me its still considered a live check so there is no issue trying to deposit elsewhere. I gave plenty of info and offered to provide proof of all of this and XXXX still just completely locked out. I spoke with someone named XXXX on XX/XX/XXXX day XXXX of it locked, and he was treating me like a criminal it was completely dehumanizing. I said i was concerned and he said you shouldnt be if you did nothing wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened an Ally bank account for me and my partner to deposit money into to be used for automatic bill payments. So we can both deposit money and have bills come out. We did this and everything seemed fine until XX/XX/XXXX, overnight the account was locked and frozen for " fraud ''. Upon calling Ally they aggressively wanted to know who ( my partner ) was and why they were making deposits into the account. I explained the situation and they said they would get back to me. Now, a few days later I have not heard anything, no access to my money and even some of the previous transactions, like one for rent, have been reversed and are causing issues for me and my apartment complex.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76904
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is a plethora of unauthorized inquiries that have been reported on my credit report, which constitute clear violations of critical provisions of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. As the Consumer Financial Protection Bureau ( CFPB ) is entrusted with upholding the full scope of consumer protection laws, including those governing the fairness and accuracy of consumer reports, I request a thorough investigation into this matter.The unauthorized inquiries in question not only contravene the FCRA 's 15 U.S. Code 1681b, which explicitly delineates the permissible purposes for accessing consumer reports but also infringe upon 15 U.S. Code 1681c by incorporating information that unequivocally falls outside the prescribed criteria. These provisions are fundamental in preserving the integrity and precision of consumer reports, rendering these violations patently indefensible.Furthermore, the Privacy Act of 1974, 5 U.S. Code 552a, which operates in conjunction with the FCRA, sets forth critical safeguards for the privacy and accuracy of personal information held by federal agencies. The unauthorized inclusion of inquiries on my credit report without my knowledge or consent raises concerns regarding compliance with the Privacy Act 's provisions, as it pertains to the handling of personal data.Moreover, 15 U.S. Code 1681e ( a ) underscores the necessity of consumer reporting agencies adhering to rational procedures to avert infractions of section 1681c and to confine the provision of consumer reports solely to the purposes enumerated under section 1681b. These procedures necessitate prospective users to unequivocally identify themselves, certify the precise intent for which the information is sought, and confirm their commitment to employ the data solely for the certified purpose. Every consumer reporting agency is duty-bound to meticulously verify the identity and intentions of new prospective users before releasing a consumer report. The evident transgressions of these procedures in my case raise profound concerns regarding compliance with the FCRA.In addition, 15 U.S. Code 1681e ( b ) underscores the obligation of consumer reporting agencies to ensure the maximum attainable accuracy of consumer reports. The unauthorized inquiries, bearing no legitimate justification and violating the aforementioned sections, cast serious doubts upon the veracity and reliability of my credit report.I firmly assert that these unauthorized inquiries and their subsequent inclusion on my credit report are indisputable breaches of the FCRA and the Privacy Act of 1974. They were incorporated without my knowledge, consent, or any valid basis for inclusion. For Reference These codes solidify claims above : 1 ) 15 U.S. Code 1681b - Permissible purposes of consumer reports : " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. '' 2 ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : '' " Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' 3 ) 15 U.S. Code 1681e - Compliance procedures : " ( a ) Identity and purposes of credit users : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' " ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX, I called the credit card customer service line and told them I wanted to pay the whole credit limit of {$2600.00} and I would only give them that payoff if they will waive any and all fees associated with this account. I was three months late, and I saved up money, so I could just pay the balance in full and be done with it. The customer service rep I spoke to promised me that he sent in the application to waive all the fees that are larger than the credit limit, my credit limit is {$2600.00} and after three months, the balance went OVER my limit with multiple fees and ended up being over {$2900.00}. So in a matter of three months their fees took the balance $ XXXX over my credit limit, which in and of itself is ridiculous.. After he promised me that all the fees will be charged off, I still continued to ask him to make sure that if I pay {$2600.00}, all the extra overages would be null and void. He never once said, oh, Im only allowed to waive one {$40.00} feeThat conversation never took place. Today on XX/XX/XXXX, I called the card company after I noticed that I still had over {$400.00} in charges still on my account and the card is still noticed in the system as defaulted with a negative credit limit. Went from {$2600.00} to - {$410.00}?. I called and tried to contact the supervisor. They said that they are only allowed to charge off {$40.00} and that is the most that they can do. I told them repeatedly for them to listen to the conversation since it is always a recorded line and to see that the employee did not tell me anything about only one charge being taken off the account, nor did anyone say my card is unusable? Why would I have paid off a card that would just end up being closed anyways? That hurts my credit even more so. I was never told this. They then put me on extended periods of holds. They keep reading to me what the notes in the system says, but I told them they need to pull the recording because what he put in the system is not what we spoke about on the recorded line. I tried to call twice and I was put on extended period of holds, they kept saying that the supervisor wasnt available to speak with me and I knew that they were trying to play a game with me. So here I am today making a complaint. All I ask is for the very least have three of the late fees deducted off the account and have my account active. Its still over {$400.00} thats still owed even though I paid my full credit limit amount I want at least {$120.00} off that account, which is the {$40.00} late fee I accrued while being 3 months late. Ill let all the other charges slide, which is interest, etc. I believe I am owed what I was told I would get. For me to give them {$2600.00} and still have a card listed as locked and in default is ridiculous, and I never even received the fee waiver I was promised. I shouldve just let it go to debt collections because that is hard earned money I could have just kept in my bank account. Pointless. This card used to be owned by OLLO, and ever since they transferred over into Ally, its been the worst experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ally auto has not allowed me to send important documents proving my lease return. Their investigation was not correct because I have proof of my return on actual date. They have closed my dispute stating that it was duplicate and resolved. Ally did not contact me after the account went to collections ( which never should have happened ). Once I received notice of the charge off it was paid immediately. Trying to contact Ally to provide my proof is near impossible, I would simply like the charge off removed from my damaged credit report which would be very simple for them to do. This is complete negligence, Ally is an awful company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A new car was purchased and in that agreement there was a vehicle traded in. The loan held by Ally Auto for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. Ally Auto showed the loan as paid and I was unable to make payments if I wanted to. When I asked Ally about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this. The vehicle transaction occurred in the company name but I was a personal guarantor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hi, I've contacted Ally XXXX times and requested them to submit a reimbursement request to XXXX for the following below. Ally has noted that I need to contact XXXX directly. I contacted XXXX directly multiple times and they told me I have to go through Ally since the transaction was performed there. Formal {$900.00} reimbursement request needs to be submitted. On XX/XX/XXXX, we we reached out to about available XXXX XXXX tickets from XXXX ( the id of the account ) on XXXX. This user informed us that she had tickets available that she would not be able to use and just wanted to get what she paid. We paid {$900.00} for the tickets as indicated in the transfer request. I am including a copy of the transfer request as documentation. Here are the key details from the Transfer request in clear text : To : XXXX XXXX at XXXX From : Interest Checking - XXXX Sent : Thursday, XX/XX/XXXX Deposited : Thursday, XX/XX/XXXX Speed : Within minutes Reason : XXXX XXXX XXXX XXXX Payment ID : XXXX After the payment went through XXXX asked for a screenshot of the transaction which we sent to her. Further XXXX noted that her partner would verify that he received the payment and she would transfer the XXXX tickets to my XXXX account. XXXX then said her partner was working and would let us know when off. Later that night we were informed her partner was working a double shift and she would get it all sorted out in the morning. XXXX continued delay tactics and we sent a request for a refund of the {$900.00} which remains un-fulfilled. XXXX portion : On XX/XX/XXXX, XXXX XXXX sent a formal request for refund to XXXX at XXXX XXXX XXXX including all of the details reported above. We have still not yet received a refund of our fraudulently stolen money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX provided a copy of my credit report to multiple companies without my authorization : -Ally Financial on XX/XX/XXXX -Ally Financial on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A