Date Received: 2023-04-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I sent a request for information on my loan and did not get my concerns addressed, The financing company sent back a letter stating call for clarification, however every time I call I am rerouted to a different department and not able to get any XXXX to resolve my issues or concerns about the debt owed. if I try to access the account online sometime my access is restricted and at this very moment it displays that I can only speak to a representative over the phone but when I call, I am never able to get to the department that will assist me, I have asked for a supervisor XXXX today on XX/XX/2023 over XXXX times and a few agents hung up on or transferred me back to the automated system. this company does not want to help consumers and should be sued. I am not interested in mediation as I have tried for months to get a resolution to my concerns. I have my phone log and screenshots of not being able to log into the online portal at times and the chat option not being available for me to chat with a live agent and also not being able to select the amount of payment I'd like to pay ( being forced to select a certain payment amount )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX : I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX with the additional gap warranty coverages XX/XX/XXXX : XXXX XXXX XXXX refused to fix the XXXX connect panel burnt wires and/or swap out the vehicle XX/XX/XXXX : The vehicle was sold by the financer Ally Bank and a balance of {$12000.00} remains on my credit as a write-off and should be or needs to be paid by the security plus gap coverage insurance purchased XX/XX/XXXX ; the remaining balance should not be on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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: I rented a car from XXXXXXXX XXXX company on XX/XX/ and returned it on XXXX XXXX. On XX/XX/XXXX, XXXX stated they released the funds they had on hold which was {$1100.00} Approval Code XXXX from XXXX and the {$200.00} deposit they had on hold Approval Code XXXX also from XXXX. Well, the credit card company said they never received the release of funds from XXXX and now I am out {$1300.00}. Ive gone back and forth with XXXX and the credit card company and Im not getting anywhere. In the meantime, I am having to suffer to pay my credit card for funds that were never returned to me. I am a XXXX citizen on a fixed income and can not afford to have to pay all of this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all XXXX credit bureaus and will attach it with my complaint as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2021 ( XXXX XXXX XXXX ) dealership and bank ( Ally ) misrepresented contracts to me and stole my identity to secure a funds & a security interest in a my title by way of pretending to loan me {$36000.00} of the banks actual money when in fact they never did loan anything that's was close to there's rather then create money without documentation of the debit or credit of a loan to or from me to bank in their ledger or book keeping all without a valid contract dealership never signed original contracts with me and ally bank never signed any loan or contract with me either Also due to unfair and fraudulent practices during transaction my finance charges were added up in my amount financed section which is a violation of my truth in lending rights along with manipulating me to believe that I could not get the car without giving them {$6000.00} cash down payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XXXX XXXX, 2023 I made a XXXX transfer from my Ally saving account to my XXXX XXXX XXXX XXXX checking account for {$1800.00} and another transfer on XXXX XXXX, 2023 from my Ally saving account to my to my XXXX XXXX XXXX XXXX checking account for {$290.00}. I never had any issues with XXXX in the past, so I didn't think anything of it, until on XXXX XXXX, 2023 I realized I never received either amount in my XXXX XXXX XXXX XXXX checking account. So I disputed the XXXX transaction with Ally on their website and they warned me saying it would take 10 days to do an investigation. They credited my savings account for the transactions on XX/XX/2023. We then received a letter from Ally dated XX/XX/ 2023 stating that they found no errors and saying the transaction was complete and that they would withdraw the money from our savings account on XX/XX/2023. Alas, we were out-of-town and therefore didn't come across the letter from Ally until XX/XX/2023. I checked the Ally savings account and sure enough it was withdrawn and I checked the XXXX XXXX XXXX XXXX checking account and it still was never deposited. So on XXXX XXXX, 2023, I called Ally and spoke with XXXX in Disputes and explained the situation and he recommended that I contact XXXX XXXX XXXX XXXX to see if they can see anything. I called XXXX XXXX XXXX XXXX and spoke with XXXX. Realizing that my issue was more of an online banking issue, he transferred me to XXXX. XXXX stated that she didnt see anything on XXXX XXXX XXXX XXXX end of things and so I called Ally again and spoke with XXXX and gave her the case # XXXX that XXXX gave me. I told her that even though it says that it is complete I never received it and I can show proof by showing my bank statement. She recommended I submit my proof through Allys secure messaging online. So I submitted my XX/XX/2023 bank statement from my XXXX XXXX XXXX XXXX checking account with the following statement to Ally through their secure messaging... _______ This is regarding case # XXXX. Attached is our checking account bank statement with XXXX XXXX XXXX XXXX ending in XXXX showing proof that I ( the recipient of the XXXX transfers : {$1800.00} and {$290.00} ) never received the funds, but the funds are still withdrawn from my Ally savings account # ending in XXXX. Attachments XXXX XXXX XXXX XXXX Statement XXXX Transaction Disputes XXXX _______ XXXX with Ally called and left a message on XX/XX/2023 giving Reference # XXXX and asked to call them back at XXXX. So I did on XX/XX/2023 and the lady who answered said that Ally tried to send a dispute letter, but the letter bounced back. Apparently, they have my wrong address saying XXXX instead of XXXX. She said she would get it corrected on their end and send the letter back out. As of XX/XX/2023, the only letter I've received from Ally was the letter dated XX/XX/ 2023 stating that they found no errors and saying the transaction was complete and that they would withdraw the money from our savings account on XX/XX/2023 She also asked if Ive contacted XXXX yet and I told her no. I looked online and contacted XXXX via their website after my conversation with Ally and XXXX emailed me back right away stating... __________ When you are enrolled with XXXX at your financial institution : When using XXXX within your financial institutions mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. For further assistance, please reach out directly to your financial institution at the number on the back of your debit card. __________ But Ally isnt helping!!! Called Ally on XXXX XXXX, 2023 and asked to speak to a manager right away. XXXX came on the phone and I informed him that I feel like I'm getting the run around and if we get nowhere today Im going to contact the Consumer Financial Protection Bureau and the XXXX I told him I have a case # and reference # and I gave him both. I explained the situation and he realized he couldnt do anything so he said he would escalate it to another team that is there tomorrow. He said I should receive a phone call within 1-2 business days. I never received that phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80241
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
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: I purchased food from an online company. The meat arrived thawed. We cooked it, it was not eatable. We cooked more a few days later for guests, same thing, then my wife became sick. I complained to Co. They issued a partial refund of {$69.00}, they still owe me {$250.00}. They wont refund. I filed dispute with credit card co. They did nothing. They sent me a letter, see attached. 1. They did not investigate with merchant. 2. They did not give me explanation as to why I owe the balance. 3. I asked for, but never received copies of documents from merchant proving that I owe the money. I received no documents. 4. I was never told by credit card co. as to how much I owe and why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Have tried to transfer $ from ally IRA acct to ext acct All 4 transfers have not gone thru Ally continues to delay w/o explanation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an investment with Ally banks with a regular monthly deposit into the account. However, after a few months, Ally bank website ( they do not have a physical branch ) does not give me access to my statements or bank information to the account. I have provided a picture of the account not shown below. Note that regardless of the time of the day, this is a permanent message on my account. It has been like this for months. I have called the team and they asked me to verify the account. I have answered their automated questions but they said they can't verify it still. So they asked that I send in my social security and driver license, which I did, and they have not done anything. Currently, Ally bank continue to withdraw from my checking account and does not offer me options to get my money back or stop the withdraw.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78723
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023 I made a call to customer service to Ally Bank and they entered incorrect info and locked me out of my account. Many attempts were made to have access and were denied due to identity concerns. Ally Bank allegedly closed my account and placed funds in isolation and claim that the other bank, XXXX has to claim the funds to be returned to the original account from where there were transferred. XXXX denies that is the procedure and they have me in a he/she says back and forth without offering solid solutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A