Date Received: 2023-01-29
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Ally financial keep negative report in my account and its wrong
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: NOTICE OF DISCRIMINATION AND Default and opportunity to cure YOU HAVE FAILED TO DO YOUR FIDUCIARY DUTY IN PROFORMING YOUR DUTY TO EXTEND CREDIT TO APPLICANT AFTER IN GOOD FAITH I EXTENDING CREDIT IN STEAD YOU XXXX XXXX HAS DISCRIMINATTED AGAINST ME SO NOW AM HOLDING PERSONALLY LIABLE FOR THEFT THE UNAUTHORIZED UES OF MY CREDIT CARD YOU RECEIVED ALL BENEFITS AND PROCEEDS FROM THAT TRANSACTION AND I THE CARD HOLDER RECEIVE NOTHING BUT DISCRIMINATION FEDERAL LAWS HAS BEEN BROKEN YET YOU FOUND NO IRREGULARITIES OR TREAMENT ON ANY PROHIBITED BASIS. ALLY DENIES IT VIOLATED ANY FEDERAL OR STATE LAWS STATE LAW VIOLATION O. C.G.A 16.9.33 STATE LAW VIOLATION O.C.G.A 10-1-439.2 Federal Law violation 15 u.s.c 1691a Federal Law violation 15 u.s.c 1602 ( f ) Federal Law violation 15 u.s.c 1602 ( p ) Federal Law violation 15 u.s.c 13 Federal Law violation 12 c.f.r 1002 Federal Law violation 12 c.f.r 202 Federal Law violation 12 c.f.r 202.5 ( 5 ) These are the laws you have broken there probably more that I havent found yet These are irregularities and prohibition violation you just wasnt called on it I am demanding to see your books, your ledger, your files, your audit trail, whatever you use. all the documents associated with these transactions. validate these transactions that it was legal And as now am holding you XXXX XXXX personally liable for theft and willful noncompliant criminal liability for willfully knowing and violation. After extending my credit I am expecting adequate compensation Ignorance to the law is no reason to break it Notice is complete upon receipt Yours truly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/22 my one year CD matured. I called Ally and spoke with XXXX. I told XXXX that I wanted to close my CD and have the money transferred to my external XXXX XXXX savings account. XXXX said the transfer would take 1-3 days. On XX/XX/22 I again called Ally because the money had not been transferred into my XXXXXXXX XXXX account. This time I spoke with XXXX. XXXX told me my CD account was still open and no money had been transferred. XXXX told me he would close out my CD and assured me the money would be transferred to my external XXXXXXXX XXXX account within 1-3 days. On XX/XX/22 I again called Ally as no money had been transferring to my XXXXXXXX XXXX account. I requested to speak with a supervisor and XXXX came on the phone. XXXX checked my account and said my CD had not been closed within the allotted 10 days, it was placed in another 1 year CD. In order for me to close out this new CD, I would have to pay a penalty fee. Due to their incompetence I demanded my money. After much discussion, XXXX agreed to close out the new CD without penalties. It would now take an additional 3-5 days for the transfer to be complete. The money was eventually transferred to my XXXXXXXX XXXX account. My frustration is : XXXX. Is this a fraud by keeping customers funds and instead of returning their money, Ally keeps it within their banking company? XXXX. Ally kept saying I would have to pay all the additional fees. Fees for sending my money in a more expedient way and paying a penalty for closing a CD that I never opened. XXXX. Hard to believe the people who assist in opening and closing accounts dont know what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I called to Ally bank but I got stuck with a foreign person that didnt understand what I was say about I wanted to extend my payment XXXX more day. They didnt want to extend it XXXX more day. So I asked for a XXXX to talk to them. They approved the XXXX day extension but they still hit me with the late payment when I already communicated with the person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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 al open end consumer credit plan as late for 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: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I financed an automobile through Ally Financial on XX/XX/2022. To date, the dealership has not been able to register the car under my name in the State of New Jersey since they do not seem to have the title. I have attempted repeatedly to contact the dealer, file a complaint with the NJ XXXX XXXX XXXX, & XXXX I have also filed a legal complaint and hired an attorney. As far as Ally is concerned, I have also repeatedly called them and requested that they intervene given I am a customer of theirs who has not been treated fairly and they are technically supposed to have the title of the vehicle given its financed and represents collateral against the loan. They have given me conflicting information, their agents arent trained and knowledgeable at all on how to handle these types of situations. They have asked me to email to XXXX, which I have done to no avail. They keep telling me that their titles department has been attempting to contact the dealership and when I requested to find out what their escalation procedures are for cases like mine, agents are cluelessThey also clearly do not understand third party risk as in taking unwarranted risk of doing business with another party that doesnt treat its customers fairly and equitably. I have requested that they consider taking legal action or escalate the case on their end but they arent willing to or essentially able to given they keep receiving the monthly payment from me on the loan and absolutely indicate XXXX regard for what their customer is going through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I have cosigned on an account with Ally Financial Account # XXXX when the lease was completed I was never notified of any other bills being due. On my credit report I see the account has a late pay. I was never notified of any issues and me being a cosigner I should have been informed of any issues with non payment since I am equally liable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I got a loan for a car. I made all payments on time as they were set up for auto draft on lender 's web app. The account got sent to collections due to " being several months behind on payments '' according to the representatives on the phone. They pull the payment history and they are all on time. Then they say I am in collections because I am not paying my bill. Their collections department tried to get me to settle at a reduced amount. I refused. I am now set up for a payment plan to pay off the remainder of the loan. It is showing as a charge off on credit report. The lender refuses to change this status. I tried to dispute with credit beaurogh, but they just added that all payments were made on time and left charge off. My credit is still shot when I did everything right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78380
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ongoing dispute since XX/XX/XXXX Interest payout was correct for XX/XX/XXXX. Payout for XX/XX/XXXX is still wrong, XXXX, should be XXXX This has been with your back office since XX/XX/XXXX, we have chatted 4 times without resolve. This is clearly a bank error. Per conditions of CD when bank error occurs and is not resolved I have the right to redeem/cancel CD without penalty, again quoting XXXX of your supervisors. I wish to do this. Transfer the original amt back into money market acc, not happy dealing with your chat people and that this has not been resolved... ..now after 5 times!. This is what payout looked like : XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days XX/XX/XXXX to XX/XX/XXXX XXXX XXXX days Was told by supervisor that all payouts should be the same for the life of CD ( 12 months ) but customer service keeps telling me different. As you can see XXXX day payouts do not match. Also XX/XX/XXXX to XX/XX/XXXX was XXXX but was originally XXXX. They did correct this but never pd the difference of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX I had an amount of XXXX come out of my account ( XXXX XXXX XXXX, CA ). I received a fraud call from Ally Bank and I disputed it with Ally Bank and they sent me a new card. I never authorized this to come out of my account. Ally Bank says it's XXXX, but there is nothing in XXXX that is connected to the Checking account AND there is no record on XXXX of that amount or that seller. Ally Bank is refusing to refund my amount of XXXX and blaming XXXX. This issue has been going on since XX/XX/XXXX. No one would talk to me at Ally Bank and say I had to wait for a letter. I just received a letter about the dispute and Ally Bank said they closed my dispute and I am stuck with missing XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A