Date Received: 2023-04-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am seeing an Ally financial on there that does not belong to me I'm also seeing things dated on XX/XX/XXXX of 2023 from employment agencies that I did not apply to that are looking up my credit status and other things that I have not applied for like credit cards and it made my score go down
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: My son, XXXX XXXX, is behind on his truck payment with Ally Financial. Since they can not reach him, Ally has been calling me daily even though they was told twice XXXX after several months of constant calls and now twice in XXXX to not call me. I have explained that this is not XXXX number and that I do not wish to be called at this number, asking to please make note of this and remove my number from their system. Even after such request, I have still received calls and want them to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I got emails from my Bank, Ally, stating that I need to call them and that my account has been restricted. I can not access my funds nor can I see the state of my account. From XX/XX/XXXX to the time I have made this report I have called them several times. Originally daily until my bank told me to stop calling. Each time I called it resulted in them telling me this could last 30 days and that there was no resolution. In this time, I have no access to my funds. I can not pay my rent, insurance, car, and daily necessities. My bank refuses to work with me and has denied me access to my own money. They have left me with no way to eat or pay for my own housing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I opened an Ally bank account, one of there HYSA account just one. I did this because I had a large amount of money in my XXXX XXXX account received from a selling my personal home. It was more than the FDIC protection so I felt it was best to transfer the excess to another bank. I called ally prior to the XXXX and spoke to an rep about my situation and they told me how to open an account. After, I opened the account I initially transferred small amounts to Ally to make sure there would not be any issues, but eventually I ended up transferring over XXXX. I had been with my other banks XXXX XXXX for over 15 years without any issues and I've transferred funds without any issues in the past. So I wasn't expecting any issues here. Anyways today XX/XX/XXXX I get an email from Ally stating that my bank pin had been changed. I assume they meant my bank password but the email said bank pin and that they cancelled access to my account. I still had two pending transactions into the account from other personal banks. I called into Ally to find out what is going on. I spoke to the first representative who said that my account is still in tact and she doesn't see any fraudulent activities. Then she transferred me to another account representative in fraud department. This particular representative went through a series of verifications and then she let me know that my account is " under review ''. I asked her about fraudulent access, she says there was not any fraudulent activity. Then I asked why was I sent a email saying a pin was changed she said she's not sure. She thinks it was just sent to me to prompt me to call in but she doesn't see any changes. She said she will submit the information she collected from me to the review team and I should wait to hear back. In the meantime I'm not able to access such a large sum of money. I've only been with this bank for 2 months and I've immediately experienced something that in 10-15 years in banking with XXXX or XXXX I've never experienced. I became even more nervous when I read about other customer experiencing the same thing. I'm extremely worried about my funds and need more clarity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: ALLY FINANCIAL # XXXX is in Violation of 15 USC 1681a 2 ( A ) ( i ) - Exclusions, the term " Consumer Report '' does not include any reporting containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON ( ALLY FINANCIAL ) making the reports. So reporting LATE PAYMENTS is a TRANSACTIONS AND SHOULD NOT BE REPORTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a few inquiries on my credit from XXXX, XXXXXXXX XXXX XXXX XXXX ALLY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX XXXX XXXXXXXX, XXXX. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: To Whom It May Concern, I'm in need of assistance regarding a false claim brought against me by Ally Auto Finance that I owe them {$4600.00}. The vehicle in question was for a leased XXXX XXXX XXXX XXXX XXXX ( XXXX number XXXX ), from XXXX XXXX XXXX XXXX XXXX XXXX with an address at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Ally was the finance company I signed with in XX/XX/XXXX for three years. I even purchased extra mileage plan of XXXX miles that was built in the amount I owed each month. Fast forward to XX/XX/XXXX, almost three years after I returned the XXXX XXXX XXXX XXXX XXXX at the conclusion of the lease, I'm receiving letter from Ally I owe the the back {$4600.00}. I called Ally multiple times requesting for an explanation in which the each representative inform me the following : 1. I was told I failed to make monthly payments? That is false. My primary bank, XXXX XXXX XXXX provided me in detail that I made every monthly payment on the lease. I have documented proof and XXXX XXXX XXXX will support me in the false claim. 2. I was told the {$4600.00} was for an overage mileage fee on the XXXX XXXX XXXX XXXX XXXX. That is false. As previously noted, I paid for the extra mileage when I signed my lease in XXXX. When I returned the vehicle, my odometer wasn't near the XXXX miles alloted to me during the three year lease 3. I was told there was {$4600.00} of vehicle damage when I returned the XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. That is false. I returned the vehicle with no damage. After almost three years they are now informing me I returned a damages vehicle? 4. I was told, I owe {$390.00} for vehicle damages?? That is false. I returned the vehicle with no damage. When I spoke to the bank representative again why I received three letters from Ally and now a collection agency that I owe {$4600.00}. I was not able to get an explanation and was told someone will be contact me next week. I'm fearing my credit is now impaired by this false accusation and mistake from Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to report an issue I have been having with Ally Financial. I believe that they have blatantly disregarded the law and are completely ignoring my request for proof of a contract between XXXX XXXX XXXX and Ally Financial. It seems as though they believe they are above the law. I have sent a previous letter, and it has been More than 30 days since I requested proof of the contract. Unfortunately, I have still not received a reply from Ally Financial besides them keep calling. Now, I am being threatened with repossession, yet they have not provided any proof of claim. This is a serious matter that needs to be addressed immediately. It is unacceptable for a financial institution to ignore a customer 's request for proof of contract and then threaten repossession without any proof of claim. I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure that Ally Financial is held accountable for their actions. I would appreciate any assistance that can be provided to help me resolve this matter. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is my 5th inquiry about my savings account at Ally Bank. I have 4 messages about my previous inquiries that state the issue has been resolved, but now I can't log in to my account to see my balance and see if they ever paid me my {$500.00} bonus and what they are compensating me for all of the time I have spent getting them to resolve this matter. What did they do? Steal my money and close my account?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with " The Fair Credit Reporting Act XXXXt '', Ally Financial on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A