Date Received: 2023-04-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2020 I was told by XXXX XXXX XXXX XXXX that I had to put a down payment of {$8000.00}. They claimed Ally Finical asked for that amount. XXXX XXXX XXXX XXXX is in Violation of 15 US code 1605. I'm requesting my downpayment of {$8000.00}. to be returned to me within 10 calendar days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: about a month ago i received an email from ally that my online access is restricted, they asked me to call them which i did, the agent i talked to wasn't nice and ended up hanging up on me! ever since i tried to reach them out but most of times i had the same experience, last time i called was a week ago, the agent hung up after XXXX minutes! i raised a complaint to XXXX and i got a response 10 days ago, they told me that they closed my account on XX/XX/XXXX ( they didn't notify me via email or phone ) " On XX/XX/2023, we closed your Online Savings Account ending in XXXX, and the funds in the amount of {$2500.00} were placed in a holding account and will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law '' now im not a big fan of Ally and i really couldnt care less about me being their customer, but i need my money, and i havent received a check from them yet and them saying that my funds will be processed in accordance with any instructions received from the bank it was drawn on and in compliance with the law isnt answering my concern, HOW AM I SUPPOSED TO GET MY MONEY BACK? the funds were withdrawn from XXXX to Ally, and unfortunately paypal cant help me because i authorized the payments, all i want is my money back! upon checking online, apparently this problem isnt new, but most people reported receiving a check after having their accounts closed, i didnt and Ally i refusing to send XXXX or even give me details on how i can get my money which is frustrating, Oh and their XXXX fraud team is definitely not a professional one, i have been sending emails to them via their secure mail system and i never heard back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter on XX/XX/2023 demanding that Ally bank remove inaccurate information that is being reported by them. I have not heard back at all. I sent them the highlighted portion where the errors are but have not heard back. Also ally bank tried to pull a fast one on me thinking i was born yesterday. sell attached documents for relevance as ally reported inaccurate information to XXXX. Please help. I was also not told that i can dispute this account with ally bank they try to give me the runaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was trying to transfer funds to another bank through their own online application and 2 days after the transfer was started they locked down my account on Friday XX/XX/23. My account was locked due to suspicious activity. I called Ally bank about the issue and was told that my account was under investigation and my account will be locked until an agent reviewed my activity. No one has told me why it was locked down and no one will let me speak with the investigator. One agent told me in a call on Monday XX/XX/23 that my account should be reinstated by Tuesday XX/XX/23, but when Tuesday came another agent told me it could take up to 10 more days. I can not believe this as the other agent lied to me. So as far as I understand my account is locked and all the money in it is inaccessible with no end date. They will not reinstate my account because " They can not verify my identity '' but I have successfully and continuously answered all my security questions and have asked to verify my identity though multiple methods.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25177
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ Ally Bank froze certain joint bank accounts at Ally bank. The joint bank accounts frozen were those I maintain with my XXXX XXXX XXXX son. The accounts were frozen after my son attempted to send money via XXXX. The attempted XXXX transaction was flagged for potential fraud. When my son called Ally customer service to resolve the issue he was told that a recent phone number change on his account likely triggered the flag. However, Ally next determined my son could not be properly " authenticated '', froze all accounts for which is was an owner/joint owner and told him to wait for contact from Ally fraud staff, with an estimated " up to five business days '' till you hear from us. As a joint owner on these accounts I am currently being denied access to the funds in these accounts, despite the fact that Ally Bank has been able to " authenticate '' me. I support Ally 's efforts to detect and deter fraud, but that goal must be balanced against customers ' need to have access to their funds to the extent possible. The bottom line is Ally should have an obligation to work swiftly to resolve fraud concerns. It has not done so in this case. A five days to reply standard is unreasonable. Moreover, Ally has not even stated any reasonable grounds for denying me ( versus my son ) access to the frozen funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Regarding previous complaint XXXX in regards to your response : An apology is accepted however I was affected by it, by ally banks employees mistakes, I was affected economically directly. The informantion about the type of income should have been Disclosed at the begining of the application process, it was ally mistake that didnt get done. 1 ) What laws did ally bank broke by not disclosing that Info? 2 ) when was this change on type of income made? And can you provide documentation about your updated policy.? Id like to check that I am not being discriminated so that would avoid any time of believe that I was. 3 ) I believe and most people would that there should be a settlement from ally bank to me regarding this issue, I was affected economically and I believe it is fair. I rather have an agreement than having to escalate this issue to an upper authority cause that would save us both time and info that would be public due to having the issue escalated. I recently received a phone call from your bank indicating somebody will contact me in regards to this issue. I was contacted because I fill out a survey indicating how I felt about the bank. Thats the reason I was contacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. Ally Financial XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX, this company has been informed to not contact me multiple times, continues to call and harass me about a debt involving a family member.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally financial reported my auto loan 30 days late to all XXXX credit bureaus for the month of XX/XX/2023 this was in regards to a payment for XX/XX/2023 that I made 29 days late and they reported it as 30 days late inaccurately. I have reach out many times only to be given different information. I disputed this directly with ally on XX/XX/XXXX reference number is XXXX I was told this would be resolved in 45 days I called back a few weeks later for an update I was told they did determine an error and were aware and it would be removed and its still on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 246XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am looking to receive a refund on an over payment made to a closed account. On XXXX I paid my final monthly payment on my old vehicle. This turned out to be an extra payment when the account was closed. I was not notified by email or phone and a check was sent to my old address. This address was not updated on my old account because I moved after the final payment was auto drafted several weeks prior. I found out by checking the Massachusetts state treasury site that Ally auto had sent this check to me and it was never cashed. I have now been in contact with ally auto and they confirmed my account and the check amount of XXXX. This amount matches the states record. I have an open case with them under case number XXXX. When I spoke with them XXXX I was told my check would be mailed to my current address and to reach out to them after XXXX business days if I did not receive it. Now when I called to check on the status I am being told I need to reach out again and that it will take 6-10 weeks to process my request. The amount has been verified both by the state and the company. I would like this matter to be resolved with a more appropriate timeline. Please respond with a contact number or email I need to help settle this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A