Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The creditor reported my account late 1x 30 days late and it has never been late. I applied for auto pay online, but there was a problem with their system, and the payment was never credited properly, when they brought it to my attention I paid it immediately. It was not my fault. I called the creditor and they said they would investigate and remove the 30 days late payment using their XXXX XXXX. This late payment is preventing me from getting a loan which I need to save my business. I am never late and I always auto-pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I was a cosigner on an account with Ally Financial account # XXXX. This account was paid every month on time. When the lease was up the borrower returned the vehicle to XXXX XXXX on XX/XX/2021 ( see attached ). For some reason I am showing a balance owed on this account and that the account is currently in charge off status. I have tried to resolve this matter. I am not getting anywhere I hope you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a claim with with the CFPB ( XXXX ). Ally Bank indicated they would pay the {$500.00} bonus as a courtesy on or before XX/XX/XXXX, and this did not happen. I am currently enrolled in a promotion from Ally Bank where I moved $ XXXX over and then was required to maintain that balance through XX/XX/XXXX in order to receive 1 % on my deposit with a maximum of {$500.00}. The account must be opened and be in good standing to receive it on or before XX/XX/XXXX. On XX/XX/XXXX, I initiated a transfer with XXXX XXXX for $ XXXX. This was a bank holiday, and no transactions were taking place. When I realized that I mistakenly setup the transfer to come out of my Ally Bank account that same day, I quickly called Ally to place an XXXX stop payment on that transaction. I spoke with a supervisor on XX/XX/XXXX in the early afternoon. The supervisor agreed to waive the stop payment fee since I hadn't had any previous fee waivers. He assured me that the $ XXXX XXXX stop payment was placed and that my Ally funds would remain intact. When I woke up on XX/XX/XXXX, I noticed that the $ XXXX ACH debit had posted to the account. I called Ally Bank and spoke to XXXX who also gave me a good customer service experience. She explained that the transaction hard posted and there was nothing she could do,. I asked he if she could speak directly with her XXXX department to find out what happened. That department didn't open until XXXX, but she offered to keep me on hold for XXXX minutes waiting for the department to open. She finally reached someone from that department who said the stop payment was placed before the transaction took place, but the person who entered the stop payment didn't code it correctly. As a result, the stop payment was not effective. She indicated in the notes on my account that this was a bank error. She said that sometimes there are several XXXX digit codes for XXXX institution. She offered to waive the stop payment fee, but I mentioned the supervisor who placed the stop payment took care of that in advance. I'm asking Ally Bank to pay my {$500.00} bonus. I did everything that I was supposed to do as a consumer to stop the transaction. I placed the stop payment on XX/XX/XXXX, and it hard posted to my account around XXXX on XX/XX/XXXX. I was also told that the colleagues in that department didn't come in until XXXX on XX/XX/XXXX, which means the stop payment wouldn't have been in place on time. Had this stop payment been accurately placed, my balance would have remained above the $ XXXX key level through XX/XX/XXXX, and I would have successfully achieved the bonus payout. I asked about moving funds back to Ally, but was told I would have to do it same day otherwise the balance would drop and the bonus would not trigger. Given that there are so many questions and already a critical mistake made, I was not confident my deposit would work. If I need to re-deposit monies through XX/XX/XXXX, I will do so. Please pay my bonus as I did what I was supposed to do as a responsible consumer. I've also been a customer since XXXX
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: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am having Ally checking account since XXXX. I had used XXXX, XXXX XXXX and XXXX to transfer the money out of Ally bank account. On XXXX XX/XX/XXXX, I initiated {$5000.00} via XXXX. XXXX is instant money transfer from my ally checking account to my XXXX XXXX XXXX XXXXXXXX XXXX Texas ) Checking account. Chatted with Ally but I was told that it might take around 3-4 business days for this money to be transferred. When I initiate transfer via XXXX from XXXX XXXX XXXX XXXX XXXX Texas ) Checking account to Ally bank account-it 's done within a day. I have no idea why XXXX will take 3-4 business days when initiated from Ally bank account to external bank account. In the past, it will take few minutes for XXXX transfer from ally bank to external bank account or other person ( having account outside of Ally bank ). Ally bank is just getting worse day by day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX I opened an account with Ally Bank, there was a promotion of 1 %, I put XXXX in the account and never received the {$100.00}. I have been told that they payouts started and mine would be in by XX/XX/XXXX. No payout at this time. Customer service had stated they had issues and since its less than 24 hours with no response to place the bonus in on the money that was kept through the promotion deadline XX/XX/XXXX and still there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. XXXX XXXX XXXX XX/XX/XXXX shouldve just been a soft inquiry. I asked them more than once to just pull my credit as a soft inquiry and they pulled my credit as a hard inquiry. I didnt even end up buying the car and my credit score went down because of this. XXXX XXXX XXXX XX/XX/XXXX Looking to refinance but my credit was pulled without my permission. I went to pre approval and it didnt say it would give me a hard inquiry on my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dont not recognize this on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. ALLY FINANCIAL XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I was contacted by a phone number that, when researched, appeared to be connected with XXXX XXXX XXXX. The " agent '' told me that an account was opened in my name and a check was deposited and two XXXX payments were made. Once I confirmed all events were not authorized by me, they said I was the victim of fraud and issued me a claim number and transferred me to XXXX customer service. XXXX told me I needed to send the " code '' XXXX to the XXXX Cancellation Dept email address. When I did not get a confirmation code from Ally, as they instructed would be necessary, they called back the following day ( XX/XX/2023 ) with a " supervisor '' and had me send " code XXXX '' to " XXXX XXXX. '' All these codes were ultimately payments, one for {$5000.00} and the following for {$1900.00}, totaling {$6900.00}. Ally proceeded to lock my XXXX account. The so-called XXXX customer service agent instructed me to call Ally to have my XXXX account unlocked, Ally informed me I was the victim of fraud and froze my account for one week. My account was unlocked on XX/XX/2023. Since then, Ally 's Fraud Investigators have not contacted me after multiple requests to speak to them directly. The fraud analyst says that I can not be refunded by Ally and that XXXX XXXX XXXX is responsible, though I do not have an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I first filed this complaint with the Federal Reserve after making contact with Ally over 12 times with promises someone would reach out to me and customer service Im unable to escalate this to a manager. 2-3 weeks ago I was told my account hold would be lifted XXXX it has not. Ally is also very slow processing my payment. See this history below : Ally Bank sent me a pre approval offer for a XXXX in XX/XX/2022. I accepted the offer and qualified. Once approved, I cancelled a credit card with another bank and when my Ally card arrived, I transferred a balance to Ally. However, my balance did not exceed the approved {$3000.00} limit. I made extra payments on this card all from my same XXXXXXXX XXXX checking account. The one Ally linked and verified. One payment I made a {$1000.00} payment that was processed and posted. Then I started getting charge denials for very small purchases and logged into the Ally App to see why. My account said ON HOLD in XXXX. I called Ally customer service and was told some smaller payments were returned. No email, message nor any notification from Ally about the returned payments. From the same account as my posted payment. Ally customer service kept going silent on me when I asked how payments could be returned when the all came from my confirmed XXXX XXXX account that was saved in the Ally App by me, not any newly typed numbers. Customer service would only say they put a 5 day hold on my account because of the returned payments. Well, my account is still on hold and it is now 10 - 15 days from when I called customer service. Customer service promised a supervisor would call me at my request. I asked twice over the past 15 days and no returned call. Then I chatted with Ally via Messenger recently and was promised at least times I would get a call. No call back and my account is still on hold. Despite having available {$1900.00} and two test payments I made that posted and cleared. Why is my account still on hold? This has put me in a difficult position, as I already closed my XXXX XXXX credit card account and only keep one credit card - Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act this creditor ( ALLY FINANCIAL ) has violated my rights under 15 U.S Code 1681 section 602 states I have the right to privacy. 15 U.S Code 1681 section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S code under section 166-B a creditor my not treat a payment on credit card account under a consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX MI XXXX Certified mail receipt # : XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Right of Rescission Dear Ally, I, XXXX : XXXX XXXX XXXX Original XXXX and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement I entered with Ally Financial on XXXX XXXX. I entered into this contract agreement with Ally Financial without 1 ). Full disclosure of my right to rescind ( 15 USC 1635 ( a ) ( f ) ) 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that Ally Financial willingly and knowingly took advantage of me and my consumer credit. I am not terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. In addition, I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of { {$1000.00} } was needed to drive off of the lot. Pursuant to 15 USC 1605 a finance charge is sum of all charges. I was also charged incorrectly on the financed amount. If you use Retail Installment calculation you will see that an additional {$600.00} was included to the financed amount. The XXXX XXXX XXXX XXXX blatantly shows numerous items were included in the amount financed which is a violation. Reimbursement of all payments made {$22000.00} & Down Payment Reimbursement of {$1000.00} shall be made by check payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A