Date Received: 2023-02-26
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Reference : XXXX. 1. It is with the proven fact that Correspondence after correspondence which i send to Ally, are without a correct performance response. 2. Ally is without the proper verification of accounting to prove the funds for loan agreement XXXX were in fact produced by Ally. 3. It is my suspicion that this Loan with Ally is an unsecured Loan. 3.1 Ally had 30 days from the time the loan documents were signed to transfer the securitization of the promissory note into a XXXX trust which would have originated a new owner, which would have sent me in writing further details that there is a new signee in the loan documents pursuant to the Truth In Lending. 3.2 It is my strong belief the Loan is in default and therefor unsecured and if the Loan is unsecured THERE IS NO DEBT. 4. It is my belief that Ally is with the intent to commit fraud to the IRS by tax evasion. 5. It is my strong belief that i am a 3rd party beneficiary because my proceeds from the note funded the transaction to obtain my car. 6. Pursuant to Title 15 section 1641-ammended public law 111-203 - 15 usc 1640, I have a claim for the recoupment and setoff. 7. Failure for Ally to come into an agreement with me for the recoupment and setoff of Loan XXXX within the next six ( 6 ) days will result in an IRS/Department of the Treasury criminal investigation procedure which i will fully implement. Note : 1. Reference attached documents for proof Ally agents are without the proper performing accounting for origin of funds for Loan XXXX which clarify unfair, abusive, and/or deceptive lending and servicing practices. 2. See attached Judicial notice and Constitution for men/women of this land. Sincerely Benefeciary : XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XXXX XXXX 2023 I apply online at XXXX XXXX Florida XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX FL. XXXX, to obtain extension of my own credit on a XXXX XXXX XXXX XXXX with Last XXXX XXXX # XXXX with MSRP of {$28000.00}. The dealer run my credit with XXXX Credit Report, where company Ally Financial got a copy of my credit report and I was denied for credit. No one from dealership give me papers or answer of why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from the dealer or Ally Financial had contact me. I had attached evidence that my credit was pulled by Ally Financial with XXXX credit report.
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: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received an offer to open an Ally checking account since I have an auto loan through them. I opened an account and kept receiving emails to fund the account and set up direct deposit otherwise they would close my account. I set up direct deposit and transferred over {$4000.00} in funds ( all of my funds ) to my Ally checking account since I wanted to use it as my primary account. Only then did ally tell me that it would take up to 10 days before I received a debit card or access to my virtual card. I do not have any other access to funds in any other account. They instructed me to try to using XXXX to transfer money but then they sent me an email that it will take 4 days to receive the XXXX transfer. I have no food or gas and Ally will not give me access to my funds to that I can eat or get to work. They are holding my funds hostage through their harmful practice. It is possible to release a virtual card to customer while the physical ones ship and Ally is refusing to do so for customer after pressuring them to move their funds to an ally account. I now have no chose but to go 4 days without eating even though I have money in my bank account. This is inhumane and ridiculous. I would have never transferred all of my funds to Ally had they made it clear that they would hold my funds hostage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX XX/XX/2022 I had an automatic payment scheduled for {$320.00} to come out to pay on the loan. The auto pay was coming out of a different account than what I had planned and I canceled it and paid it manually from a different account. The auto pay showed as returned for insufficient funds but the manual payment went through. The XXXX payment should have brought the account current but next month ( XXXX ) showed that the minimum payment due was now over {$500.00}. When I called to ask why they said that I had missed multiple payments and I needed to pay this amount. I talked to multiple agents and requested an inquiry be filed. They would agree but then I would hear nothing about the results. I then began to request to speak to a supervisor and would either be put on hold then hung up on, or told they would call me back. Never happened. Now due to late fees and interest my minimum payment due is over {$1000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Complaint Number XXXX & XXXX XXXX XXXX I ahve since called the company becuase they called me telling that they were looking in to it late and geave me a special phone number and extension to conact with any any questions on late Friday afternoon, afterwards I then recieved my mail and found a letter sdtating that Ally was going to negativley report my accout to the credit bureaus. It was too late to call but I did and leave a message. I got voice mail from my contact per the phone ext given it wasa XXXX, who out of office recording stated he was out of the office and would return XXXXXXXX XXXX? I finally spoke with someone else and requested to speak with managment Iwas told that managment was not avialable and I had to speak with XXXX, I finally spoke with him and he said he hadnt had time to review my account that he requested documents, my payment hisotry. I then requested to speak witha manager he said there were nomangagers avialable and eventually said he need to hang up as I would not take now for an answer to speak with a manager, Today I viewed my account on the online protal, it now relects that I am {$800.00} plus in arrears, thisis worng as Ihave made every payment and when i look att he payment hisotry on t he webiste and look at the break down of the payment they show late fees? I do not understand and dont trust that any info they report is correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is a copy of one letter sent to my bank: To: Ally Bank Address: XXXX XXXX XXXX XXXX, PA XXXX Email: XXXX Object: This is an Official Refund Request Sir/Madam, My name is XXXX XXXX, a client of your bank, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX (The Company), which I invested out of pocket a total amount of $XXXX USD. So, what happened is that I made the first transaction from my banking account to my XXXX and XXXX accounts before the money went to the perpetrator. Let me tell you how this situation happened to me: It all started when I received a text on XXXXXXXX one day from a strange number asking me to reschedule their doctor appointment. After joking back and forth, and some time communicating and establishing a relationship with XXXX XXXX, she told me about the opportunity to invest in a cryptocoin miner and trading company. What she was saying was seductive and attractive enough that after a week or so, I wanted to give it a try, especially since it seemed climbing inflation and the constant hits on my 401k was going to ruin my retirement. I started out with my first trade on XXXX XXXX with XXXX guidance. Somehow, I accidently made 3 trades and won all 3. XXXX said I was so lucky and more or less chewed me out for not following her commands and making the extra two trades, even though I didnt know how I made them. She immediately directed me to put the money in lock down mining to gain 1.7% per day with a contract of 5 days. She assured me there would not be any trading days in the next 5 days but that I need to get more money into the account so I can earn a lot more on these trades and in lockdown mining. My first trade was just short of XXXX USDT and she claimed she traded XXXX USDT and that I need to catch up to that amount so I can make more money. She told me that by investing larger amounts of money I could make very good profits, and had guaranteed me that at any point in time that I want to take my money back out that it would be possible. So due to my lack of experience and knowledge I could only think that she was right and she knew what she was talking about. She sounded very confident, professional and claimed to have a business degree from XXXX XXXX I continued to add money as I got a hold of it. I kept seeing how inflation was eating my paycheck and my losses in the 401ks were not helping at all either. I closed the 401ks thinking the profits in XXXX trading are far better than the losses Im taking on the market drops. Once that money was in the XXXX account, and trades were made, I saw how quickly the gains were adding up. I also began testing my XXXX account and made various withdrawals to make sure I could access my money. Eventually, my biggest withdrawal of 10k convinced me this was real. All requests were approved within hour and deposited into my XXXX account within 5 minutes of initiation. A real confidence booster. (Check Bank Statements:) NOTE: I am unable to attach a screenshot of my transactions that I sent to the bank at this point (9 total). I would be happy to email them for the investigation. After all of the money I had was invested, it seemed the trading days were more plentiful and it didnt take very long to get my account value to over XXXX USDT. I needed some money to pay some credit card debt so I requested XXXX USDT. It took several hours this time instead of just minutes but my request went from under review to denied. I was surprised and now really suspicious. Then, I received an email from XXXX that told me I made XXXX USDT from XXXX XXXX and have to pay XXXX USDT in taxes and I cant use any of my XXXX funds until the tax penalty is paid. It also said this will affect my credit if the taxes werent paid and Id be reported to the IRS. At this point I realized what happened. My heart sank. I went on my XXXX trading site and tried to actually lose money. I made several trades that I felt were sure to fail but none of them did. After trying to withdraw my money several times with no success, I understood that I made the mistake of my life and that I fell victim to a scam. Today, I feel lost because my financial situation went very badly. I am no longer able to provide my family with what they need and have lost my entire retirement money, but I especially feel betrayed. How come my bank, that I trusted, didnt even take the initiative to warn me about these people, and worse, why didnt my bank just stop the transactions since the banks system can detect the unsecured destinations of funds? Thats why I am coming to you with this official request to refund my full lost money for the amount of $XXXX USD. You should either claim it from the beneficiary bank where you allowed my money to go or you should reimburse me from your own pool because as your client you are responsible to protect my funds. I hope that you will not shift liability, and will assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services. For this, you have to show maturity and act to resolve this issue without complaining about your failure in the protection of your clients. Looking forward to hearing a positive response from you. Cordially, XXXX of XXXX XXXXXXXX XXXX XXXXXXXX XXXX email: XXXX This is the second letter I sent to them over the same issue: To: Ally Bank Address: XXXX XXXX XXXX XXXX XXXX XXXX Email: XXXX Object: This is an Official Refund Request Sir/Madam, My name is XXXX XXXX, a client of your bank, I am writing to you to raise your awareness regarding an issue that I had lately with my funds which have been transferred to some fraudulent and illegal destination known under the name of XXXX XXXX XXXX (The Company), which I invested out of pocket a total amount of $XXXX USD. So, what happened is that I made the first transaction from my banking account to my XXXX and XXXX accounts before the money went to the perpetrator. It all started when I received a text on XXXX from XXXX XXXX XXXX. We communicated for a couple of weeks and she always seemed positive, happy and busy with her business and her son. After about 2 weeks of communication, she asked me if I wanted to trade crypto currency with her. I was already aware of this type of trading because of my interaction with XXXX XXXX but thought two sources of trading could be good. I agreed, and she helped me set up an account with XXXX. She showed me her winnings on these trades and it was quite large. She told me if I put about XXXX or XXXX XXXX into my account, she could help me make nice earnings like hers. I did add more eventually expecting to make money like I appeared to be on my account with XXXX XXXX (Check Bank Statements:) NOTE: I am unable to attach a screenshot of my transactions that I sent to the bank at this point (9 total). I would be happy to email them for the investigation. I tried to withdraw $XXXX USD from my account and my order was rejected. I had no idea why, and nothing was said. I was at this point already suspecting fraud and wanted to get at least a small chunk of my money out if it were possible. I told XXXX XXXX that I had a home equity loan in progress that would be approved in 3 weeks, that I plan to invest XXXX, and that I need XXXX now to pay a credit card bill and questioned why my request could be rejected, after all, it is my money. She told me to put a request for the entire balance in addition to the XXXX The next day, I had a status on both of my withdrawal requests (XXXX and balance XXXX) as pending. I asked online support why it was pending and that is when I received a tax due notice from them, that I cant do anything with my account until I pay the taxes due (XXXX USDT) on earnings of XXXX USDT. I knew I was the victim of another scam. Today, I feel lost because my financial situation went very badly. I am no longer able to provide my family with what they need and have lost my entire retirement money, but I especially feel betrayed. How come my bank, that I trusted, didnt even take the initiative to warn me about these people, and worst why didnt my bank just stop the transactions since the banks system can detect the unsecured destinations of funds? Thats why I am coming to you with this official request to refund my full lost money for the amount of $XXXX USD. You should either claim it from the beneficiary bank where you allowed my money to go or you should reimburse me from your own pool because as your client you are responsible to protect my funds. I hope that you will not shift liability, and will assume the consequences of your mistake. I want to stay your client for longer and keep receiving your services. I hope you will show maturity and act to resolve this issue without complaining about your failure in the protection of your clients. Looking forward to hearing a positive response from you. Cordially, XXXX of XXXX XXXX. XXXX XXXXXXXX XXXX Email: XXXX After about a month the bank hadn't responded so I sent an email reminder. About 2 or 3 weeks later they called me and said my request for refund was denied. So, I sent them another challenge letter that shows the bank's policy on scam where the bank says if money is suspected of being used in a scam, the bank can hold the transactions and will notify the account holder. To: Ally Bank Address: XXXX XXXX XXXX XXXX XXXX XXXX Email: XXXX Subject:This is an Official request for a refund Sir/Madam, My name is XXXX XXXX, I am writing to respond to your answer wherein you declined to provide me with a refund after I was defrauded. I am now writing to appeal that decision. In refusing a refund, you justified your decision that you cannot refund me the money that I lost, that you have done your best, but you have not been able to do so. I want to point your attention to your own Terms and Conditions that can be found by the link:ALLY Bank online banking services agreement XXXX XXXX XXXX Based on the foregoing, I can safely say that I did not receive any goods and services promised to me at all. Also, I received absolutely no fraud protection from your organization. Why do I, as a client of your bank, do not feel any difference when transferring funds to you, from transferring funds directly to scammers? At the same time, I am still obliged to pay for your services, which you undertake to perform, but in every possible way avoid this. I want to note that the bank is a party to the essential transaction because money came from my account in your bank and banks should have knowledge of the persons to whom I submit money which is a standard KYC procedure for any bank. I state that you didnt take reasonable care regarding my transaction. It is clear that your Bank is supposed to provide security procedures regarding its clients accounts. But I didnt notice any protection from your side, I didnt receive any calls from you, you didnt block my transactions and didnt question any of them. In my point of view a transaction to crypto exchange while it is not a part of my usual pattern of purchases definitely fits the description of a suspicious transaction. In this case, I am the customer, the transfers were made due to fraud and have been coerced by trickery. I couldn't have known in advance how this story would unfold for me since I was using your service. I have been a client of your bank for years and I always had the deepest trust in your bank, but now I feel that you are just trying to avoid your responsibility. At first, I got scammed by the fraudsters and now the bank where I trusted my funds is not willing to help me in this situation. I rely on your fair consideration of information provided in this letter. I want to stay with your client for longer and keep receiving your services but for this you have to show maturity and act to resolve this issue without taking the initiative to go to your regulator complaining about your failure in the protection of your clients. Looking forward to hearing from you a positive response. Regards, XXXX of XXXX XXXX XXXX XXXX XXXX Email: XXXX Again, I was told no. So I sent a claim to DOJ early in XXXX and have heard nothing yet from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I leased a vehicle on XX/XX/XXXX for 3 years on XX/XX/XXXX2023 I traded the vehicle in prior to end of lease. The dealership I purchased the new vehicle from sent the pay off check which was recieved by ALLY XXXX on XX/XX/XXXX in the amount of {$49000.00}. On Monday XX/XX/XXXX I noticed ALLY had recieved the check via their app and contacted them thru mobile chat and spoke with XXXX asking why my account showed I still had a payment due XX/XX/XXXX. I was told I had to get the dealership involved and they would provide me little to no information. In the several attempts the dealership contacted ALLY they have been given the run around. The dealership was told the week of XX/XX/XXXX to give it 3 to 5 business days for the payment to process. I then contacted ALLY customer service on XX/XX/XXXX and they advised me they had the check and not to pay the payment due on XX/XX/XXXX. On XX/XX/XXXX the dealership again contacted ALLY ( as now my account is showing I am past due on my payment ) ALLY advised the dealership they had not recieved a form that I had sighed on XX/XX/XXXX and stated they aren't processing the payment due to this form being missing. A month after the deal was done they had not attempted to reach out to me or the dealership in an attempt to get this form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company Is reporting late payments to credit bureaus without my consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive forms Please remove all late payments account - ALLY FINANCIAL account number - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a 18-month CD with Ally Bank through a representative on the telephone on XXXX XXXX, 2023 when the rate was 4.25 %. Ally Bank has a 10 Day Best Rate Guarantee for all its CDs ( see attachment ). Its CD rates for the 18-month CD increased to 5 % within 10 days and I did not notice an increase for my account. I sent an email inquiry to Ally on XXXX XXXX and received an answer stating that I should be receiving the best rate ( see attachment ). I noticed the rate still did not change on XXXX XXXX and sent another inquiry. Not until then that I was informed that the IRA XXXX does not have the 10 Day Best Rate Guarantee ( see attachment ). This fact is nowhere mentioned on its website nor was it stated to me by the Ally representative when I opened the account. I only learned of this fact AFTER I opened the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A