Date Received: 2023-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dispute to Ally Bank XXXX XX/XX/2023, 2 x {$880.00} ACH payments were made to my new and old mortgage lenders. At the time my old mortgage lender sold the loan to another mortgage company. I added the new mortgage lender to my online Bill Pay and paid the new lender and cancelled the payment to the previous lender. The ACH was still being processed and still charged my account at which time I disputed the charge ( {$880.00} ). The dispute was Approved by Ally Bankon XX/XX/XXXX and a credit was applied to my account. On XX/XX/ the charge was then reapplied to my account without notice or contact. I contacted the bank and they said they have the right to reject their initial approval. To withdraw funds from an account without notice appears to be a wrongful transaction. Furthermore I can not find any documentation in Ally Bank policies that states they have the right to withdraw or reject a dispute they initially approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: It has been over a year of constant calls from ally financial about the amount they incurred by repossession of my truck. They ordered the repossession. I paid all of my payments and late fees in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45251
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: 2023-04-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THE FOLLOWING INQUIRIES WAS NOT AUTHORIZED BY ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XX/XX/XXXX {$13000.00} was transferred from my XXXX bank account to a new Ally savings account. Im that time Ally closed the bank account so there was nowhere for the funds to land. Ally said they refused the transaction from XXXX XXXX and the money was reverted to the original account. The money has not made it as of XX/XX/XXXX. I opened a dispute with XXXX XXXX, it was denied. XXXX XXXX claims it is XXXX fault, Ally claims it is XXXX XXXX fault. I have spent several hours over several days on the phone with both banks and with no success. Below is the information Ive document during that time : XXXX XXXX info : Trace ID : XXXX Opened a claim on XX/XX/XXXX to claim my missing funds : Tracking ID XXXX XXXX Bank advised they Denied my dispute XXXX They reopened the dispute once I provided a new Trace ID that I was provided XX/XX/XXXX. XXXX Bank Told me to open up a police report and get a lawyer and that there is nothing more they can do. Called back with new XXXX ID from Ally XX/XX/XXXX and they reopened the dispute. Ally Transaction number : XXXX Amount : XXXX Original call requesting XXXX ID they claim they can not find Wont provide name of XXXX working in the case or put me in touch with anyone. They send me to an education inbox- nobody calls me back as of 4 business days later. XX/XX/XXXX Ally provide Trace ID : XXXX - Second Trace ID XXXX This is the XXXX XXXX XXXX ID and not the one for reversing the funds. They claim they had an influx of identity theft problems on the week of XX/XX/XXXX and that XXXX have contributed to the problem. XX/XX/XXXX is the first day Ive been forwarded to a supervisor dispute calling several times and requesting to be As of XX/XX/XXXX this issue has not been resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally financial and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Deposited money in to the savings account I tried to set up regular deposits every 2 weeks. When the money was not transferred, i called i was informed that they take the money 3 days before the set date i arranged i wasn't informed of this, I called customer service that was when i was informed that my transfers between accounts was canceled. I could no longer move money between accounts I had to open a checking account with Ally. I did I transferred money from the savings account to the checking account I was told to open I asked for a atm card they said that it has been requested but i never get the card it has been a month and i have requested 3 cards that I never receive I can no longer transfer money into the ally account from my chime account and I cant move money in or out without a debit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I leased in XXXX of XXXX this car and expressly asked if Ally Auto would allow a lease transfer. Yesterday, I attempted to initiate a lease transfer and they told me that they no longer allow it as of XXXX of XXXX, as they changed their policy. This has created a hardship for me, as I only entered this lease because I could transfer the vehicle to another party because I expected a car that I had ordered to become available during the lease term.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Failure by Ally Bank to comply with my mother 's Power of Attorney. They are intentionally blocking access to all bank accounts and unnecessarily delaying funds from being managed. Despite numerous promises that a representative would call me, no one ever has. I always initiated all contact only to get non-specific timelines and kept on lenghty holds just to receive no answers. I don't even know if they ever plan on providing access. Other than initial email confirmation that they received my POA and other supporting documents, there was no further communication from them. Their initial email stated a 5-7 business day response, but that deadline has since past. Their non-compliance is costing money in lost interest by deterring me from moving funds to other higher paying financial institutions. This maybe the reason they are blocking access to the accounts. They know I intend to close them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I attempted to make a rent payment to my landlord using XXXX via Ally Bank. The transaction confirmation email showed my landlords name and they did not receive the money due to two digits in the phone number being reversed. I called the bank within the hour to report the issue. The bank investigated and refused to return the money that was given to an incorrect person despite the name on the confirmation being different from the name of the person receiving the money. The bank told me to contact XXXX. XXXX proceeded to tell me to contact my bank and the person that received the money both accepted the money as well as refuses any attempts at contact. The amount in dispute is {$1800.00} usd of rent money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have an Ally High Yield Savings Account in addition to two checking accounts. Ally as you know is an online only bank and does not have physical branches. I am in the process of buying a house so have consolidated cash in an Ally account for my down payment. There is about XXXX in this account. Ally has not been able to provide me with access to this account for over 48 hours. As such I can not access statements, balances or make transactions. As a result of this I can not provide my mortgage provider with proof of funds to close. I have spoken with 5-6 Ally agents and none of them have been willing to fix me. Given that Ally is an online only bank, they have an obligation to ensure their customers have continued access to funds online. Without this access they are effectively holding money hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A