Date Received: 2023-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank has frozen my checking account on two separate occasions claiming to have reopened and investigation about my attempts to transfer funds to my sister. The matter was already investigated, access restored and then frozen, again XX/XX/2023 Repeated attempts to contact AllyBank fraud department has been hang up on by Ally staff, after waiting in cue 10-30 minutes Repeated denial of information regarding access to my funds. Ally has not provided any written explanation for their freezing of my accounts, other than to tell me that's what I signed up for in my online banking agreement. This ability to freeze my accounts has not been fully disclosed to me during sign up for the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I would like to express my frustration and lack of empathy and transparency I experienced in my interactions with Ally Bank. I issued 2 checks for {$50000.00} each to my husband who deposited it using mobile deposit to his account at XXXX XXXX At around XXXX PST on XX/XX/28 I received a call from Ally Bank 's fraud department who confirmed verbally that I had indeed issued the checks and they confirmed that the checks would be allowed to be encashed. But unknown to me, according to Ally Bank transaction records, they had already returned the checks due to a mysterious " Irregular Signature '' reason and rejected them. They did this at XXXX XXXX which was about 3 hours even before their fraud department bothered to call me to confirm the checks on my account. And due to their actions, the checks bounced and my husband was charged {$14.00} in returned item fees by his bank. We wanted to use the money for a down payment and because of Ally Bank 's callousness, we couldn't do it. I contacted Ally bank today ( XXXX ) and spoke to their phone banker who said that it was the " other '' bank who rejected the checks. My husband contacted XXXX XXXX who confirmed that it was Ally Bank that rejected the checks and they had no part to play in it. I am attaching the screenshot of that communication with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98028
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with Ally over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
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: 1. Issue number one is that XXXX billed my credit card without my authorization. The Department of Veterans Affairs ( VA ) has been paying for my XXXX subscription for the past two years. I tried to renew through the VA for 2023 but XXXX told me that I could not renew my premium account while it was still active. I was not planning to renew out-of-pocket because I could not afford it. However, I had forgotten that XXXX had my credit card number from a prior subscription. XXXX billed that credit card and has refused to reimburse me. This is a joint credit card with my wife being the primary user. My wife, XXXX, filed a dispute with Ollo Card Services but the dispute was denied. 2. Issue number two is that Ollo Card Services submitted this information to the Credit Bureaus which caused our credit scores to drop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX XXXX, 2023, I opened an online money market account with ALLY BANK ( XXXX XXXX XXXX ) I then funded the account by ACH payment in the amount of {$8000.00} in the hopes of an attractive advertised XXXX. Less than XXXX hours after the account is funded, I discovered I could not login and access my account. I receive a message from ALLY claiming the account is frozen for " suspicious activity ''. This happens only after ALLY receives my money. I contacted the bank, verified information, and so forth including refuting any claims that I misused the account or shared login details and now they say they may continue to freeze my account for an " investigation '' and may not conclude for up to 30 days. I requested an immediate closure of the account for wasting my time and was refused. Furthermore, ALLY claims they will not give me any interest during the hold period. This is tantamount to fraud on their part. Holding my money for up to 30 days while they can use it to lend to others for their profit. I have googled ALLY and it seems this freeze happens often and conveniently. How much money do they freeze, essentially take from honest customers like us while they have free access to our money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I had found a used car at XXXX XXXX, a large dealership based out of XXXX XXXX, WI, and had gone in to test drive it, applied for financing, submitted all requested documents to the dealership needed for financing the car and set up a date for them to deliver the car. They had delivered the car to my house, had me sign the purchase contract, financing paperwork, and the loan agreement. I had also signed the same documents electronically and received my copies of the documents that were also signed by the dealership. I gave them a check for {$4000.00}, which was the down payment I was making on the vehicle, which cleared from our account a few days later. They then reached out to me 7 days later to tell me that the financing was not completed with the bank yet and they needed more information. I had informed them that I had a recent change in my employment and I was going back to my previous employer after a few weeks, but I was in between jobs for the time being. They then told me that I no longer then could have the car and that they were going to be taking the car back because it belonged to the dealership, despite me having already signed all of the documents with the dealership. My first payment was not yet due for another 4 weeks according to my loan contract that the dealership and I had both signed. They had demanded that they needed drivers to come get the car or I needed to take it back, and I told them that I needed to look into things because I had already signed legal documents purchasing the car. They proceeded to call me 9 times within 20 minutes and sent me several text messages threatening to escalate things further and using tactics to try intimidating me into complying. I have since returned the car to the dealership due to their threats and harassment. I was also never made to sign an off site disclosure informing me of my rights in the state of Wisconsin associated with an off site sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54449
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Filed 1st complaint ( XXXX ) on XX/XX/2023. Company FAILED TO COMPLY WITH FEDERAL LAW 15 USC 1666 AND FAILED TO provide me a written Notice acknowledging they received my Billing Error Notice. They also FAILED TO COMPLY AND send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. THESE R VIOLATIONS AND THEY ARE LIABLE TO ME DAMAGES ACCORDING TO LAW.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Placed wire at Ally Bank for $ XXXX at XXXXXXXX XXXX on XXXX/XXXX/23 for a same-day transfer on acct XXXX. Per Ally 's posed Delivery Time schedule, where the wire is being initiated, the wire was due to be reviewed by XXXX XXXX XXXX and sent by XXXX XXXX XXXX. Ally failed to meet their posted delivery schedule and as result, I've incurred a late fee of 10 % which Ally needs to pay. In talking to Ally today, XXXX they can't provide a timeline for the wire transfer. I am seeking payment for the late fee of {$3300.00} because Ally delayed the transfer and didn't meet their posted timelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I got to myself into some debt and asked my friend to help me. He did a balance transfer from his citi bank credit card to my Ally Bank Ollo Mastercard. Ollo decided that the transfer was fraud. They closed my account, reported the fraud, my credit score has gone down and they have kept the nearly XXXX XXXX dollars. I don't have the money, my friend has not gotten the money back either. I call Ollo every day, and every day I get a new excuse. We have provided them with all the documents that I will attach. We told them to simply call XXXX bank and authorized them to do that. They won't read the documents, they won't call XXXX Bank, they won't transfer the money back to my friend XXXX. They could simply call XXXX and verify? They won't do that either. They have stolen our money and called us the thieves. The stress has actually caused me to break out in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I HAVE ALOT I'M DEALING WITH AND I'M HONESTLY OVER WHELMED WHENEVER I CAN BE ABLE TO PAY I WILL DEFINITELY DO THAT TRYING TO SURVIVE FROM PAY CHECK TO PAYCHECK IF YOU CAN CONCIDER THIS IT WILL MEAN ATLOT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A