Date Received: 2023-04-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XX/XX/XXXX / XX/XX/XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I asked Ally for an escrow analysis on my mortgage account XXXX to be done as my escrow account had a massive surplus. In their recent analysis, they estimated my taxes as {$46000.00} so they could fraudulently keep more of my money in this high interest environment. This is despite the fact that they know full well my taxes are around {$32000.00}. Ally know this as they my paid my tax bill in XXXX XXXX XXXXXXXX for a total of {$31000.00} ( attached ). They gave me a {$4500.00} refund rather than {$15000.00} and they increased my mortgage payments {$500.00} so that by the end of XXXX my escrow balance will be over $ XXXX in excess again! Allow know full well my taxes can not increase form $ XXXX to $ XXXX, that a 50 % increase and that is not possible. Ally have done this to deliberately keep more money than required in the escrow account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Saturday XX/XX/22, My card number was stolen in some way. Two Transaction attempts occurred to XXXX in the amount of {$900.00} each time. The first was declined and the second was pending. I recieved text messages, emails, and phone calls asking me to verify these and a few other transactions. When I answered the second call from Ally 's Fraud department ( I had missed the first call ), I explained to them verbally that I did not make those two transactions and that I am not authorizing it. The person I spoke to, told me that the transaction would be stopped and that my card was frozen and a new card was on the way. I decided to call ally back directly within an hour to confirm that those things were done. I was told that the fraud department was stopping the pending transaction for {$900.00} and that everything was all set. Later I saw that the transaction had posted, I decided to wait and trust the people that I spoke with. Today I called Ally, they told me that they had not frozen the card, they had not stopped nor disputed the transaction even though they had records of my phone calls explaining that those transactions were not me and that I wanted them to be stopped or disputed, and that they had not sent me a new card exposing me to risk of additional fraud. The person I spoke to today did have records of at least my call into their bank so I can verify I spoke with Ally earlier about this on Saturday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 2 years ago, I repaired the vent and central AC in my house. XXXX XXXX XXXX, XXXX, PA. I arranged auto pay of {$270.00} with this company ( Ally Lending ). So that I can pay off within 18months stipulated interest free. XX/XX/XXXX was the day the last auto pay was deducted from my account. Leaving {$35.00} I received a letter dating XX/XX/2023 that I have an outstanding payment of {$1400.00}, which I immediately called back to dispute. The representative told me on a recorded line, that since I called within the 7days of the notice, I am allowed to pay off the {$35.00}, and will no longer be liable to pay the {$1400.00} interest. Which I did that very night. I was given pay off confirmation Number : XXXX XXXX XXXX. But I have since, been harassed, with reminders, emails, and mails. I have disputed through emails, and phone calls to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17046
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: A person claiming to be with Ally Financial, who currently holds the loan on my XXXX XXXX XXXX, has been calling me at my work despite being repeatedly told to stop calling me at this number. The debt in question is not delinquent and is paid current. The number appears in the phone system as " XXXX Number '' but the actual number calling in is ( XXXX ) XXXX. A simple XXXX search shows that others have dealt with this as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 597XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have tried several times to access my checking and savings account at Ally Bank, but the bank appears to have blocked access to my account and refuses to give me a reason. When I called their helpline they told me that they could only help me if I wrote to them. When I wrote to the bank I received no response. This letter is attached. I also called the bank several times during the past month I was repeatedly told they could not help me. I am an attorney and I have to pay for clients bills as I'm authorize to do from this account. I have suffered significant damage in my clients have suffered damage because of the bank 's action. Is the bank does not respond to me I have contacted you and hope that you can help to resolve this matter and encourage the bank to pay me compensation and ensure that such blocking of my account without any reason does not happen in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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: There is a charge on my account that I disputed. The charge was for XXXX XXXX courthouse. They advised me how to fill out a warrant in debt but they advised me incorrectly. The judge dismissed the case due to the paperwork not being filled in correctly. I found out later that the clerks office was not supposed to assist people due to problems like this occurring. I requested a refund and they advised me that they were not able to process refunds that they were not capable. I then advised them that I would be filing a dispute on my credit card. I called ollo card and explained all this to them. The opened a case. Several weeks later I receive a letter in the mail requesting more information and the letter was not a pre filled question and answer form. It wanted me to ask the questions to myself l and answer them. It was vague and I called to complain. I spoke with a supervisor his id number is # XXXX. He advised me that it was NOT many that I fill the dispute out that it was just in case the merchant responded. He advised me that the case has been opened and that they did not respond as of date. I thanked him and requested to complain about this letter that I received.several days later I received yet another letter that this case has been dismissed. I called up today to file a complaint about this entire mess the case number for the original charge is XXXX. They now refuse to reopen the case without a letter from me even though it was dismissed incorrectly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: First of all, OLLO arbitrarily and capriciously placed a hold on my account, according to XXXX or similar name thereabouts when I called on XX/XX/2023 @ XXXX @ the security department, states in essence, they believed there was a possible fraudulent charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, knowing how fraud works and was a part of the international credit card investigators association and knowing the master contract with XXXX XXXX, this entity needs to make necessary and proper notification, and failed to do so, and just arbitrarily and capriciously placed a hold without so much as sending an email to verify said transition which happens to be about {$520.00} or so to a wigs.com. This charge was in fact true and genuine. Since XXXX was a customer service rep and obviously not schooled in investigations, she was not professional in answering my questions, why a hold and what notifications did they in fact do in any " due diligence '' to ascertain if the charge was legitimate or not, so not I have sustained damages and emotional infliction of emotional distress when I tried to charge {$1.00} for a simple RX i needed and card was declined. Evidentially this charge evoked a hold for over two weeks now. Not even a letter or any official snail mail notification was sent out which is part of a " due diligence '' procedure to hold entities such as OLLO as per contract with XXXX XXXX international as they must adhere to certain rules and procedures to maintain a contact with XXXX XXXX to keep using their services and to issue cards in the first place. Thus I am alleging, negligence, in how OLLO conducts business and their record keeping and how they fail to adhere to XXXX XXXX XXXX XXXX when dealing with their customers. Thus, we will be filing a small claims case against above for negligence accordingly and IIED against their customer ( XXXX ). We suggest XXXX write paper and everyone involved in the paper chain, substantiate their role in this when I comes to justification in court. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have not been able to access my account at Ally Bank for the past 5 days. Their customer service phone numbers do not work. For the past 5 days, the site Ally, com loads but the links are dead. The page then disappears. A message says Something has gone wrong. Their customer service phone number ( XXXX XXXX ) connects to a high pressure medical device company. Their Report Fraud number ( XXXX XXXX ) does not connect at all. Can you help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A