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 : XXXX XXXX on XX/XX/XXXX XXXXAlly Financial XX/XX/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
Date Received: 2024-02-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I currently have a major credit card through Ally. It seems as though my transactions are limited, depending on certain merchants. They are not allowing a transaction to go through because they categorize the merchant as high risk. At this point, they can categorize any merchant as high risk and prevent me from using my actual credit card. Not being able to make purchases on my investment account is costing time and money. They tried to override the system and my card is still is not able to be used. I plan on taking a trip in the summertime, and I do not want my card to be declined because Ally decided to put certain companies on a higher risk. Im asking that you have them fixed their policies so us as consumers can use our resources as we wish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this complaint to ALLY FINANCIAL about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX FTC report XXXX related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank Case : XXXX I have been a legitimate Ally banking customer for many years and have several online savings accounts. On XX/XX/24 at around XXXX I received an email that my account was restricted due to suspicious activity. I called Ally and successfully verified my account. They asked me a series of questions which included asking if I've added a new XXXX recipient, I told them I did not. They also asked me for my cell phone and internet provided which I gave them. They asked me if I have transferred any money lately and I told them my son who is a college student deposited his financial aid money to pay for his tuition for a study abroad program into one of my accounts. They told me that was against the bank rules. I was not aware or I would not have allowed that to happen. They told me that I could not access any of my accounts and that my accounts are restricted pending an investigation. I have called and spoken to Customer Service and the Fraud Department and they will not provide me with any information regarding when a decision will be made for the ongoing investigation. I am a XXXX XXXX XXXX and have over 15 years of e-commerce fraud prevent experience. If I would have know this was against the bank rules, I would not have done it nor have I ever violated any other Ally bank rules and I have a great account history with Ally. I want to know when I will have access to my funds and I want my accounts to be unrestricted, instead being told that they can not provide me with the turn around time for when the investigation will be concluded. No well meaning customer will know all of the rules in the banking agreement. There is no one I can speak to in the Investigations Department and there was no supervisor to speak to from the Fraud Department. No one can help me resolve this situation so that I can access the money in my Ally accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I bought a car through Ally Financial, lost mu job in XXXX of XXXX. I voluntarily surrendered the vehicle in XXXX. I called several times to have them to pick up the vehicle. Finally they came in XXXX to pick up the vehicle, but they put two late payments on my credit report. When I requested them to pick up the vehicle my credit was in good standing and I was up to date on my payments. I feel that they waited to claim the vehicle so that they could charge me for more payments. They finally picked up the vehicle on XX/XX/year>. I called they on XX/XX/year> to ask them for the Bill of Sale for the vehicle from the auction. The representative said that they didn't have this information at the time and they would send this information to me. No I have received a latter from them saying that I owe them XXXX. I haven't received proof of the sale from the auction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: in XX/XX/year> vehicle totaled, my insurance company paid all but XXXX} of the balance remaining. Ally finance set repayment at XXXX monthly. I contacted ally spoke to several agents asking for a lower more affordable payment all agents declined to work with me. I have attached the dates and times I have spoken to Ally agents who declined to work with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ALLY FINANCIAL has an account reporting to my consumer report inaccurately. Ive reached out multiple times to fix this issue and get nothing but violations of my rights. This debt isn't mine. I want this account REMOVED from my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I scheduled a payment on Ally Bank app for a bill payment of {$1600.00} on late XX/XX/XXXX. There was no mention of fee {$9.00} from picking the payment date to submission, but I was charged fee of {$9.00} later. I called the bank immediately after seeing the fees and asked them to cancel the transaction on early XX/XX/XXXX, but they can not cancel it with an apology that I should wait for the payment and fee to post to call Ally bank for the credit and this inconvenience was called by their app. I tried calling Ally bank on XX/XX/XXXXXXXX for the same issue, putting in hold for a very long time for submissions of {$9.00} refund request. The phone representative said it would take a couple days for the credit to appear but after waiting for 7 days I still dont see it yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Ally sent me a letter ( around XX/XX/XXXX ) stating that I had a credit to my account of XXXX. I ask Ally to sent me my credit as a refund via check mailed to me personally. This process supposed had started near the end of XXXX of cutting me a check and mailing it to me. It's the end of XX/XX/XXXX, no check as of yet and I keep getting the run around that check has been mailed and I should receive it by XXXX of XX/XX/XXXX, no check. Customer service keep saying check has been cut and mailed, but they can not verified that the check has been mailed nor can they talk to the department or person that should had cut the check. That's the real problem, nobody can speak with the department that supposed to had cut the check to verified that the check was cut and really mailed. All customer service states that the process of requesting that the check be cut and mailed but they can not and have been able to 1 ) tell me that the check was cutted or mailed. Can someone please verified that my check in the amount of XXXX} was cut and verified that it was mailed... Please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally received over XXXX from an initiated XX/XX/2023 transfer from XXXX acct XXXX to Ally XXXX # XXXX this transfer was successful but needed 'good faith ' that cash would follow. Ally claimed not to have received the cash so in May I initiated a second ACH transfer for 10,11753 from XXXX to Ally altho credited to my account Ally claims funds were frozen by XXXX bank. I tried to transfer again in XXXX XXXX to Ally and XXXX declared the account frozen -- according to Ally. XXXX did some research ( XXXX ) on account ending XXXX on XXXX and had details about the XXXX transfer and declared the money from the beginning was not frozen, not suspended by XXXX. XXXX has communicated several times that Ally had the XXXX from the first ACH transfer in XXXX which Ally denies, doesn't give me interest, it doesn't show up on my account until XX/XX/2023. This began in XXXX. Because XXXX claims they never suspended or froze my account during the XXXX transfer of XXXX and Ally claims they never got the full amount ( cash ) from XXXX due to XXXX freezing or suspending my account. I guess one could assume I'm confused. I began with XXXX added XXXX ( disputed ) and I should have had XXXX but after 6 months the total dropped to XXXX and that's about all I ended up with. I'm sure some went into CDs but I usually put the same amount every month. This didn't add up to that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A