Date Received: 2023-01-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This number or company from what I understand to be a debt collector Ally has been calling me repeated times since XXXX. Today and yesterday Ive been called 3 times & I have been telling them since XXXX to please remove my phone number as they have the wrong person. They are looking for a XXXXXXXX XXXX XXXXXXXX. Theyve assured me that it would be removed but still keep getting the calls. I have asked to speak with a supervisor but will not be allowed to or hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am working with my husband in filing this complaint. I and my sister inherited an account containing XXXX CDs from my father when he passed away in XXXX of XXXX. My husband was managing the estate in my place and we opened a case with Ally XXXX XXXX to handle the inheritance in XX/XX/2020. The account contained XXXX CDs. My sister withdrew her half and I left my half with Ally Bank. We were told that I could roll the XXXX CDs into the XXXX with the highest interest rate until that CD matured, ( approx XXXX months ) at which time Ally would renew that CD for 2 years AND KEEP THE EXISTING INTEREST RATE of XXXX XXXX plus XXXX XXXX BONUS. Those rates were higher than available rates at that time so we agreed but only after confirming on a second conversation with the Ally XXXX XXXX concerning what would happen. We asked how that promise would be documented and were told that it was noted in the estate case as to what will happen at renewal. At renewal with additions, this XXXX amounted to approximately {$100000.00}. When the XXXX renewed I was given a rate of XXXX XXXX We called customer support and questioned the rate and were told that it was the current XXXX. CD rate. I explained what we were promised and they checked the case and said that promise IS documented and that they WOULD adjust the rate as soon as a XXXX approved. Nothing happened for several weeks so we called again, and again explained the situation. Again we were told that it was Ally 's mistake and that their mistake was verified by a XXXX and that adjustments would be made. Nothing happened for several weeks. We called again and and this time there was no acknowledgement of the promise but we were told that our complaint needs to go to the XXXX committee. I got a letter several weeks later from a member of the XXXX committee summarized as there was no merit to my request. We called and asked if we could speak to that member of the XXXX XXXX and were told that they had no idea what the XXXX committee was nor how to contact the individual who wrote the letter. I explained my frustration and was told that they would resubmit a request although again no longer agreeing that I had a valid complaint. A couple of weeks later I got another letter from a different XXXX committee member again indicating that there was no merit to my request. Since with every call to Ally you need to approve recording of the call, we called support again and asked how long recorded calls are kept. We were told that they were kept forever. So we explained our frustration and asked if we could get a transcript of all our calls with Ally. We were told that she would speak with her supervisor about transcripts of the calls and she would get back to me asap. We were told that this WOULD GET RESOLVED. I waited several weeks and no response. We called once again to ask about the recordings and the failure to get a return call and were assured that a call back would come once the incident was examined. There has never been a call returned from Ally after numerous promises. At one point after several months I asked about withdrawing my funds and was told that there would probably be significant penalties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15101
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Ally Financial called my father and sister to tell them they were looking for me, after speaking to me on the phone and receiving a payment towards my debt. I spoke to Ally on Monday, XX/XX/XXXX, at XXXX. On Wednesday, XX/XX/XXXX, we made a payment toward the debt. Since then, theyve tried calling me two other times, and, because I was at work and couldnt answer the phone, Ally proceeded to call my father and sister, under the guise of looking for me. This blatant harassment will not be tolerated. Ally was not looking for me - these calls are a form of public embarrassment and slander, given that were still making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I requested the bank to investigate a vendor luka lah with XXXXXXXX XXXX XXXX XXXX formed in Wyoming. I paid for services and contract submitted payment and was scammed. I reached out to Ally bank by phone and emails multiple times trying to get a claim field and no answer yet. There is XXXX that I need to dispute and the vendor took the money and ran XX/XX/2022. Transaction amount {$4700.00}, XX/XX/2022 transaction amount {$10000.00}, final transaction was not wire but XXXX with the same bank. The vendor broke contract and ally said they would reach out in 1 to 2 business days its been almost 2 months since the initial contact
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX. Ally financial has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-01-26
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 wrote a questionnaire to executives at Ally Financial once i noted a few false and misleading statements on the alleged loan agreement when my automobile was first purchased at XXXX XXXX using an initial promissory note which by way of my signature/autograph gave full faith and credit. Ally Financial is in dishonor and is without a positive-performance-response for the following correspondences : - Certified Mail XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. - Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. - Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. - Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX. - Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Relations. On all the correspondences i specifically told the Executives i promise to pay the alleged debt and stay in honor yet i needed a few questions answered to achieve correctness and settle the matter for my court of records. It has been six months now and there has yet to be any responses to my questions. All i received from a po box non contracting venue is photocopies of the credit transactions i have made on the alleged car loan. I strongly believe that Ally Financial is hiding and/or can not provide any of the following details : 1. The origins of account number where the funds originated to purchase the car. 2. Who is the original creditor. 3. If the account has been securitised. 4. A true and certified copy, NOT photocopy of the original note under penalty of perjury with unlimited liability and confirm that this note has never been sold. I have stayed in honor by adding credits to this account as this matter is solved. I need full closure of this matter no later than 21 days.
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: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I filed an original complaint against Ally within the past month. XXXX is the person that investigated the matter. She concluded her investigation and provided a formal response via the CFPB portal system, on the second page of the formal response from Ally on Ally XXXX XXXX, it clearly stated at the bottom of page two of the letter that collection efforts on my account would not start back up until 10 days after the date of the letter which was dated XX/XX/2023. The collections have never stopped. My mother received a call from XXXX in their loss/collections department who left a voice mail on my mother 's voicemail asking to speak with my dead father XXXX XXXX XXXX he was not on my credit application and has been dead for 20 years. My mom forwarded me a screen capture of the transcript of the voicemail and the voicemail itself. I have been in consistent contact with both XXXX and multiple employees in the loss/collections department. I received a pledged assistance payment of {$800.00} from a local non-profit that issued a corporate check in the amount of {$800.00}, this payment was documented and noted and I even have emails from the Ally system stating that my promise to pay date was approaching. I sent a picture of the check to XXXX and a gentleman that I spoke with made notes and told their processing department to be on the lookout for the check number, routing number, account number, name of the bank, and name of the non-profit. I am XXXX and the nonprofit helps people with my unique health condition that I do not wish to disclose. Ally rejected the payment and Ive sent several emails to XXXX and have not heard back. So now my continued complaint has gone past the extreme breakdown of communication, XXXX when she first spoke with me after I answered the call Monday night went into how she's been trying to reach me and I've not called her back when I have called back and she's been off work or after her working hours and has spoken with others in her department. She said that she had not reviewed my account notes on a recorded call, I asked why, and then she looked and said " oh there is a new case open on your account, this never happens ''. Well, it happened to me and my unique situation. Also, Ally rejected payment that was being made on my account from a third-party non-profit, resulting in a delay in a payment being applied to my account, therefore, pushing it further into a delinquent status or aging status. Finally, Ally broke the rules or regulations of collections after stating in a letter from XXXX representing Ally stating there would be a ten-day delay before resuming collection activities on my account. So this has to break federal or state collection regulations. If I were to pursue legal action for violating fair debt collection practices I could at a minimum be awarded {$1000.00} if not more. Also on the recorded call with XXXX after I asked her how she got my father 's name she said " it's public record '' his death is also public record and she said she was sorry but it has already been done. I need better communication and some resolution to my situation because I keep being told my account is going to be charged off at the end of the month and they are actively trying to repossess it. My car is at an auto body shop locked up, I can't get it back until I pay {$1900.00} for the deductible and cost of an estimate for the other repairs. I would really like to work this out so that it will help both myself and Ally. If Ally does not make concessions or try to modify my loan or issue an extension and apply the {$800.00} payment that they have and are holding and not applying to my account. I will be forced to file for bankruptcy before the end of the month and reaffirm my debt to them. if my car is repoed and sold at auction Ally will lose money and it will further hurt me as a customer and consumer.
Company Response:
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: have XXXX Ally bank cd IRA accounts.! acct ira cd closes on XX/XX/XXXX and the other IRA CD closes on XX/XX/XXXX. I sent in the forms to close the IRA accts and transfer to my Ally savings acct on those dates. I mailed the forms on XX/XX/XXXX. I called starting XXXX day ago to make sure they rec 'd the forms. Hold times are over XXXX hour. I just called and the wait time in XXXX hour and XXXX minutes. I chated with somebody after waiting XXXX hour to chat and he told me the forms are not viewable because they probably are in a batch waiting for the closing dates of XX/XX/XXXX and XXXX. This is totally unacceptable. its a gamble to see if my accts are closed? What kind of outfit is this? The chat rep gives me a phone # and it's the same # that has a XXXX hour XXXX minute hold time. Im talking over XXXX that I want out and they can not answer my question if they got the forms. I do not want this renewed ... The customer service is the worst I have ever seen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Ally bank account keeps getting hacked, which has resulted in my account balance being unusable. The bank has failed to investigate this, so I don't know how to protect accounts at other companies or how to protect my Ally bank account. This all started with a new debit card, which was stolen from my mailbox. Someone spent a total of about {$2500.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I noticed the fraud on XX/XX/XXXX and reported it to ally bank. They cancelled the stolen card, and the charges were refunded. On XX/XX/XXXX at about XXXX XXXX, I got an email from Ally saying that a customer service representative had helped me log into my account. That wasn't me. Then I got emails saying I changed my password, email, phone number, etc. I called Ally and was on hold for XXXX XXXX XXXX. I hung up and called again and finally got someone who was able to give me access to my account. The attacker had setup XXXX and was getting ready to send the money out of my account. The customer support agent didn't know how to reverse the changes, I manually reversed what I could, and then I had them freeze the account. I believe they chose not to start an investigation at this time. On XX/XX/XXXX, I called and had them unfreeze the account so I could pay my credit card bill. I also sent them a message asking for an investigation into the account takeover since I hadn't heard anything from them. On XX/XX/XXXX at around XXXX XXXX, I received an email saying Ally customer support had given someone access to my account, again. And then they changed the username, password, phone number, etc. I called immediately. The customer support agent, named XXXX, said they had just talked to me- but that wasn't me, it was the attacker. XXXX did not ask me security questions- they were clearly very poorly trained. They just reset my username and password when I asked. They did not seem to understand the situation. They kept asking me if I was done. I had to ask them to go through and reset everything. Then I asked for their supervisor, they muted me for about XXXX minutes. I asked again for their supervisor, finally they put me through. The supervisor, XXXX, reviewed the situation and opened a case to investigate the agent who did not ask me security questions. Then they added a lock to my account, with a passcode, so it should be impossible for the attacker to get access. Then they opened a fraud investigation. She gave me a ticket number for my interaction with her, which was XXXX. She said I will hear from the back office fraud department within XXXX business days, and to call again if I don't hear anything on Wednesday. On XX/XX/XXXX, I still had not heard anything despite Ally twice promising they would investigate the fraud. I still don't have access to my funds, about $ XXXX. I called customer support. The agents transferred me to the wrong department or hung up on me XXXX times in a row. Finally, I reached someone who did not hang up, and they said the investigation hasn't started yet, and will take another XXXX business days, and I can call again if it still hasn't started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXXccount # 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 account under an open end 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: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A