Date Received: 2023-03-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: As trustee, I opened a CD in the name of my mother 's irrevocable trust. She XXXX XXXX on XX/XX/XXXX and I contacted Ally Bank to close out the CD. I was told since shXXXX XXXX XXXX the CD can be closed without any early termination penalties and XXXX from Ally set up a XXXX report and issued a reference number XXXX. I was instructed on XX/XX/XXXX to fax the XXXX certificate, a copy of my DL and instructions for depositing the funds, which I did on XX/XX/XXXX. I was told that once the information is received it would take XXXX business days to process the request. When I did not received the funds or any correspondence in XXXX business days, I contacted customer service on XX/XX/XXXX. On XXXX I spoke to XXXX who had no information on my request and escalated my request to a XXXX for review and that should take XXXX business days. I called back on XX/XX/XXXX and spoke to XXXX. She told me that the transfer has been inititated and it should take XXXX business days and I should call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to another representative who told me it should be another XXXX days. I asked to speak to a supervisor and was connected to XXXX. He told me that XXXX should never had told me that the transfer has been initiated because that was not true. XXXX told me that they are waiting for FIS to inititate the transfer- and that should take another XXXX days. I have done everything the bank has asked me to do and I am very concerned that every time I call, a customer service representatve tells me to wait another XXXX business days. No one can give me a definitive answer as to when this money will be released and I feel they are holding it XXXX. This money is needed to pay for the care my mother received up until her death and I want Ally Bank to be accountable - something needs to be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Concerns of False Inquiries Reported on XXXX, XXXX, And XXXX Credit reports/ Credit File I noticed inquiries on my credit report that I have no knowledge of. I have NOT given anyone permission or consent to view, access or use my credit report for any reason, I am giving you as much information as I can to help you with this deletion demand so please feel free to utilize this information. According to Section 604 FCRA, I would greatly appreciate if you would kindly provide me for what they call a permissible purpose or proof that I applied or initiated these inquiries from each company as I am concerned about my security and privacy of my credit, something that I take pride in. I also understand that written authorization for all inquiries listed have to be documented and proven if reported. If you have NO proof or evidence with supporting documents, please have these unauthorized inquiries deleted immediately. If concluded online or internet, please provide the IP Address associated with the authorized inquiry which I seem to have serious doubts it was done. I have also contacted the creditor in question and they claim they have NO proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide to me a permissible purpose or proof and now for me, this is a major concern. Because they do not have my proof of authorization, whether written or verbal, I am demanding you to kindly delete these inquiry ( s ) from my credit report of XXXX, XXXX, and XXXX because it is unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently. Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. The following companies did not have permission or authorization to request my credit report : Alleged Inquiry : Ally financial, XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX and XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX XX/XX/XXXX AND XXXX XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX never authorized Alleged Inquiry : XXXX XXXX XX/XX/XXXX was never authorized alleged Inquiry : XXXX XXXX XXXX, XXXX was never authorized Alleged Inquiry : XXXX XXXX XXXX XXXX, XXXX was never authorized alleged Inquiry : Ally Financial : XXXX XXXX, XXXX was never authorized I am concerned because I did not apply for credit with these companies. I demand the deletion of these unauthorized, unproven, non-compliant, and unverified inquiries as required by law if unproven with an actual purpose that was not concluded by me Please help me and mail a new credit report when these unknown inquiries have been deleted. Thanks for your sincere help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, XXXX XXXX transferred money from a ROTH IRA held at that institution to Ally Bank. The deposit was mistakenly put into a TRADITIONAL IRA which makes the amount subject to taxation while the Roth is tax free. I have communicated by phone and email with Ally on five different occasions regarding the steps to take to correct this. Despite asking for one representative to be assigned to handle this case, each rep that has communicated with me has said that Ally 's policy is to let random selection choose whoever you communicate with when you send an email or make a phone call to them ( which requires long periods on hold ). The most recent email from their rep on XX/XX/XXXX stated that even though I submitted all the forms previously requested, they now want a conversion and rollover form submitted to put the money into a Roth account. My tax planner stated that is exactly what NOT to do since that paperwork would trigger the fact that this money would be taxable and would lose its tax free status. This bank is extremely difficult to communicate with and obtain resolutions with issues. No one person seems to be assigned to handle an on-going problem and you end up with a roulette wheel where you spin it and see who you get and how that person 's answer may not be the same as the previous one you received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is my second complaint against Ally Auto. On XX/XX/XXXX I sought to pay off my vehicle. I was given incorrect account information and as a result XXXX was missing for over a month. After contacting CFPB, Ally returned my vehicle, retrieved the money, and provided me a PIF ( paid in full ) letter. XXXX XX/XX/XXXX, I received a letter from Ally basically trying to swindle me out of more money when my debt to them has already been paid. They lost my money, made me get a third party involved before they even attempted to find it!!!! Now they are threatening to hold onto my title until I pay more money that I actually dont owe!!! Its ridiculous how much they have tried to scam and get over on working citizens. I have included all previous paperwork along with what I recently received. I would this issue resolved indefinitely. I want Ally to give me my title. I would like this off my credit report and more updated paperwork from Ally stating they no longer hold ANY interest whatsoever on my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XXXX of XXXX I turned in an XXXX XXXXXXXX after leasing for 3 years from XXXX XXXX : upon purchasing a XXXX XXXX from XXXX in XXXX SC and financed through Ally Financial at 19 % APR my credit was. XXXX and now XXXX. Ally Financial has reported negative information to the credit bureau since XXXX of XXXX. Despite all of my efforts to make payments monthly for {$420.00} and most of the time {$430.00} or {$450.00} all of my hard money is ongoing toward interest and LATE CHARGES! I have contacted Ally Financial numerous times asking for my due to be changed from the XXXX of each month to the XXXX of each month since I have retired. I do not understand what that company is doing with my monthly payments of the amounts mentioned above. I even asked for a decrease in the APR and was denied twice. I am very upset in the way that I am being taken advantage of financially with this company and no one is available to solve any problems. Thank you for your attention with this matter that seems impossible to resolve. At the present time for XXXX payment the company stated that I owe {$850.00} I don't understand how this company can revolve late charges continuously for months and months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a new savings account with Ally Bank and deposited {$50000.00} by ACH transfer from XXXX XXXX XXXX in XX/XX/XXXX in order to qualify for a 1 % bonus incentive plan ( in addition to their normal savings interest rate ) which required new money to be deposited and kept in the account until XX/XX/XXXX. The incentive program was to pay a 1 % bonus up to {$500.00} which was supposed to be paid by XX/XX/XXXX. The bonus hasn't been paid to date despite two inquiries I made to the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86301
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: This is Rebuttal response # XXXX Attn : XXXX XXXX XXXX XXXX OF ALLY FINANCIAL , INC XXXX I XXXX XXXX come to you in good faith and Honor to rebuttal a Letter send by your company ALLY BANK with application # : XXXX Dated XX/XX/2023 at dealership XXXX XXXX XXXX in XXXX, FL. Where you give your reason why can't grant extension of my credit. ( VIOLATION UNDER FCRA, EOCA, TILA AND CFBP, Under 12 CFR PART 1002.4 ( Descrimination ). So ALLY FINANCIAL, INC. / ALLY BANK, claim that wasn't prepared to accept the consumer obligation if transaction was completed and wasn't agreeable to handling transaction. Meaning you accept that XXXX XXXX exercise his right under the Law Allowed him to ask for Extension of credit on " consumer credit transaction '' and you Denied his Request. The other reason was : proportion of balance to credit limit is to high on bank revolving, Serious Delinquency, time since delinquency, number of account with delinquency and number of inquiries on report. Really? Well Under 15 u.s.c. section 1681a ( 2 ) Exclusion : Consumer Report does not include ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report. Meaning that every time a person make a report of " Late Payment '' " default '' " serious delinquency '' " banking revolving '' etc ... ..... Under 15 u.s.c. 1611 willfully and knowingly violation, No only is False and Misleading but is a fine of {$1000.00} for every report is put on someone credit report under 15 u.s.c. section 1681n. So now that reason not to grant Credit is been rebuttal, you still in violation for no Grant Credit request on Consumer Credit Transaction on Extension of my credit, on amount request with vehicle ( copy of vehicle request is attached to this rebuttal # XXXX ) violation under 15 u.s.c section 1681a ( k ) ( 1 ) or 15 u.s.c. section 1691 ( d ) ( 6 ) and under 12 CFR Part 1002.4 ( Descrimination ) for not Granting extension of my own credit. When someone is exercising their rights where the applicable law allowed it, the consumer is protected by the Law, is not the Creditor opinion/condition/Limit/False or Misleading on a consumer exercising their rights to extend their own credit on a consumer credit transaction. No one can be denied extension of their own credit, refused to grant credit on amount requested and under 15 u.s.c section 1681o : civil Liability for Negligent Noncompliance. Note : attached to this Rebuttal # 1 their is copy of letter by : ALLY FINANCIAL , INC. /ALLY BANK, Denied of Extension of my Credit and Copy of Vehicle Request on a Consumer Credit Transaction. A Maxim of law .... Ignorance of the law excuses no one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I have been trying to request Ally for a waiver of escrow. I submitted the original request on XX/XX/XXXX via online messaging per the Ally phone Customer Representative. I received a message on XX/XX/XXXX that the request was received and forwarded to the Research Department for review and it was stated the process would take approximately 30 days. I followed up on XX/XX/XXXX for a status request. On XX/XX/XXXX I received a message that the waiver had been denied. On XX/XX/XXXX I replied asking for the reason of the denial. I sent a second message that day asking I be provided a copy of the client guidelines in policy outlining why my escrow waiver was denied. On XX/XX/XXXX I received a message that my request was being researched and to anticipate a response in 7-10 business days. On XX/XX/XXXX I sent a message requesting a status update. On XX/XX/XXXX I received a message to call Customer Service at XXXX. I called customer service and I was informed the request was denied and a letter would be sent. I was told he could send the letter electronically and it would take 24 hours. On XX/XX/XXXX I called customer service as I had not received the electronic letter. I was told Ally does not allow escrow to be waived. I was also informed the customer service representatives are not Ally employees but instead employed by servicer XXXX. I looked through my loan docs and show in the deed of trust it states waiver to escrow is allowed. On XX/XX/XXXX I received the escrow denial letter to my online account. The letter states At the time of closing, escrowing for the payment of taxes and insurance was a condition of your loan as the investor associated with your loan did not permit escrow waivers. It is our policy not to waive this requirement and we are unable to comply with your request. On XX/XX/XXXX at XXXX EST I called customer service and asked where in the loan docs it states escrow is required and can not be waived. I was told to contact our closing company and request documentation from Ally. I requested the representative to do that as it is not my job to research the existing loan docs. I then asked for a supervisor. The customer service representative stated they spoke with their supervisor and that the Note stated in not so clear terms waivers were not allowed. I explained the deed of trust states waivers are allowed. I was told the deed of trust is a generic document and the Note was what mattered. I did not have my copy in front of me so I said I would call back. At XXXX I called back. The Note only states waivers in default are not allowed. Nothing about waivers of escrow. The representative stated she did not see anything about waiver escrow and she transferred to XXXX, a supervisor. XXXX stated he was sending a request to his research department but that their ( XXXX ) procedures state as of XXXX Ally does not allow waivers to escrow and that all requests should be denied. I asked specifically for where in the loan docs it states no escrow waivers. He stated he would request that as well. At XXXX I received a voicemail from XXXX asking to call Customer Service XXXX At XXXX I called customer service and asked to speak to XXXX. I instead spoke to someone else who said XXXX was busy but he had the notes. He said Ally stands by no waivers but he could not provide where in the loan docs it states no escrow waivers. For 3 months I have tried to submit the escrow waiver and receive information as to why it is denied. Allys website contains information on how to submit for an escrow waiver. The closing disclosure and deed of trust state waivers can be made. No document states escrow waivers are not allowed. Our loan to value ratio is ~65 % based on the appraisal done as part of the refinance with Ally in XXXX ( market values in our area have increased since possibly making the ratio even lower ). We have never been late on a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX of XXXX I signed up for an Ally Bank promotion called " XXXX '' which offered a 1 % cash bonus to existing customers ( which I have been for over 15 years ), for new deposits from an external source for a total bonus of up to {$500.00} if {$50000.00} was deposited. I contacted customer service at Ally by phone on XX/XX/XXXX, asked questions and confirmed that I understood and was following all the terms of the promo. I enrolled in the promotion and opened a new Money Market ( which is one of the qualifying accounts for the promotion ) account # XXXX for the purposes of depositing $ XXXX new funds into Ally while on the phone with them. Terms of the promotion included : -Must be enrolled by XX/XX/XXXX I enrolled XX/XX/XXXX -Fund account by XX/XX/XXXX I funded the account with XXXX new money from XXXXXXXX XXXX XXXX XX/XX/XXXX -Keep the new funds in the account thru XX/XX/XXXX. XXXX. I did not withdraw the funds until XX/XX/XXXX -Get cash bonus on or by XX/XX/XXXX. I have yet to receive my {$500.00} cash bonus to my money market account. I have left the account open for this reason. On XX/XX/XXXX I called Ally customer service and the rep confirmed that I had met all the criteria to receive the bonus. She then opened a case # XXXX. I was told I'd be contacted with in 2-3 days ( I was not ), and the case should be resolved in 7-10 biz days ( by XX/XX/XXXX ). No resolution yet. I have called weekly, escalated the case ( same case # ) on XX/XX/XXXX, have talked to several " managers '' and have receive little information or explanation. After the 10 days had passed with no resolution, I am now being told by Ally " their is no timeline " although I was told someone was " assigned to my case '' almost 2 weeks ago! On my most recent call today, the customer service rep told me that now most of her calls are from unhappy customers who have not received their cash bonus. I also sent a written letter of complaint to Ally this week. As of today XX/XX/XXXX, I still have not received the {$500.00} cash bonus from Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83714
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A