Date Received: 2023-01-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed a CD with Ally Bank back in XXXX and I was told that they were going to wire the balance, {$12000.00} to my account at XXXX Bank. When the money never hit my account I called Ally and was told that they had actually sent a paper check and that I had to wait for it. I waited and the check never arrived. I called again in XXXX and I was told that I would have to fill out a form stating that I never received the check and get it notarized. I did that and requested once again that the money be sent directly to my account. Again, the money never arrived. I called again in XXXX and the person I spoke with was very apologetic. She said that it looked like another paper check had been sent but she could see that it was never cashed or deposited and that she was going to escalate the issue and that someone would call me back by the next day. It was three more weeks before I heard from them again. The woman I spoke with today was rude and impatient and she told me that I would need to get another form notarized to request another check. I said that this obviously isn't working and that it's ridiculous because they have my information, they have my form, and most importantly they still have my money. I asked if there was a branch or anywhere physical for me to go to get my money and I was told that they were an online bank and that my only option was to keep leaving work to get the exact same form notarized with still no indication that I would ever actually receive my money. This is a lot of money and I had been counting on it to help pay for holiday bills this year but now it is almost a year later and I still can't seem to be able to get them to send it to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Problems with XXXX Credit Card account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone : XXXX XXXX XXXX Account ending in : XXXX XXXX ( ... XXXX ) I have attached documents with this and statements and transactions I have been trying since XX/XX/XXXX to get return of an overpayment ( {$2000.00} ) made by my misstate of sending a {$2000.00} amount to XXXX instead of the correct credit card company. I do not get true answers to resolve this issue. I closed the account thinking that would help to speed resolution, it did not. I have called at least 5 times over the last 2 months, since XX/XX/XXXX Their only responses, 1. next billing cycle 2. XXXX were verifying the balance before refunding my money ( I received XXXX letters from them stating that. The balance is obvious. ) 3. sent check on XX/XX/XXXX ( XXXX Statement was no change. All responses were lies. XX/XX/XXXX XXXX Called Said the check was sent on XX/XX/XXXX Seems like a long time to receive another delay tactic XX/XX/XXXX XXXX Called again Same answer asked to speak to a XXXX XXXX, said the same thing The balance did not change on the XX/XX/XXXX statement so the check was not issued on XX/XX/XXXX as stated, again another lie. XX/XX/XXXX Uploaded this document to XXXX, have not heard anything from them ( XX/XX/XXXX ). The responses I have received when calling the phone number are lies, I want my money back If I was this late in making a payment, I would be charged huge late fees and incredible interest, plus negative credit reporting. XX/XX/XXXX XXXX Now the XXXX statement show they refunded the money on XX/XX/XXXX which is the date it was posted. I believe this is another stall or fraud tactic. The transaction record shows the reversed XXXX on XX/XX/XXXX. I HAVE RECEIVED NOTHING, except lies. Below are copies of the monthly statements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06109
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: ACCORDING TO MY CREDIT REPORTS, I HAVE A CHARGE OFF ACCOUNT REPORTING. CHARGE OFFS ARE CONSIDERED CANCELED DEBT. AUTO DEALERS HAVE ALREADY FILED THIS DEBT ON THEIR TAXES WHICH REFLECTS WHY ITS ON MY CREDIT REPORT. BY LAW CHARGE OFFS ARE CONSIDERED ORDINARY INCOME. I DEMAND THAT THESE ITEMS BE REMOVED FROM MY CREDIT REPORT AND DELETED BECAUSE THIS IS A VIOLATION OF 15 USC 1681EB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: We closed an acount with Ally Bank on XX/XX/2022. The only way Ally would distribute the funds was by check, via USPS. When the check didn't arrive, we began contacting Ally by online secure messaging. They required a notorized " lost check '' form, which we sent. We requested the funds to be sent with a tracking option, as that had not happened with the original check. Ally sent the check via XXXX We followed the tracking delays, eventually noted as " address error '' and undeliverable, with no delivery date pending. This was nearly 2 months after the account was closed. Each time I called Ally, a different rep told me the same thing : confirmed our address, saying there was nothing they could do. Their only suggestion was for us to contact XXXX XXXX could not tell us what address was on the pkg and they would not release the package unless we could confirm the address! After yet another call to Ally, we finally got a rep who tracked down the address where the check was sent : IT WAS NOT A REAL ADDRESS. My name, but a non-existent address, not in any way similar to our actual address. Once we knew the wrong address, we drove 10 miles to XXXX XXXX to pick up the check, in order to avoid XXXX sending the check back to Ally, which would have required the whole " lost check '' fiasco to begin again. Ally Bank closed our account in XXXX, but they still have our funds. We deposited the check at our bank, but it's still " pending ''. So Ally has taken over 2 months to give us our money. 2 months where we had no access to it and we were not earning interest, but Ally had the use of our money. Human or computer errors? Perhaps. But this level of incompetence needs to be called out. If the various departments of Ally are giving customers the run around, whether by carelessness or fraudulent intent, it is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/2022 I went to a Dealership when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have my XXXX XXXX XXXX leased through Ally Financial, when I first got the truck, my first payment, I sent in {$1000.00} ( two {$500.00} money orders ), a couple of weeks after I mailed in my first payment, I got a call from Ally Financial collections stating that I owe another {$500.00}, and their reason was because their machine tore up the second money order. So I went ahead and paid it, because Ally Financial felt it wasn't their issue and if I wanted my account to remain in good status, making the extra payment was the ONLY way to do so. I made the payment with a credit card, and then Ally Financial told me about the online payment method using XXXX. From that moment on, I started making my payments using the XXXX system, and I had no more problems, until the end of XX/XX/2022, where I get a phone call from Ally Financial collections again, stating I have 3 payments missing, I went and pulled those transactions from my bank and sent the proof of payment to Ally Financial and asked them to do an investigation on those payments. I spoke with numerous managers within Ally Financial and all of them ended the conversation stating they would get back with me, and no one has called me back, instead I have been getting harassing calls every morning since XX/XX/2022 from Ally Financial collections department threatening to come repossess my truck if I don't back the past due balance. Each time I have had to explain to them over and over again that I have sent over my proof of payments via fax, to the numbers provided by a manager I spoke with, they too would end the conversation stating someone will be in contact with me.. yet no one calls, just the collection department. Finally I spoke with someone in a different department within Ally Financial and she provided me with a contact for XXXX, and suggested I speak with them about the missing payments. I called XXXX, spoke with their representatives and they provided me with transaction numbers for each missing payment, and stated they would not have a transaction number if the payment didn't go through, and they the issue was with Ally Financial. I called Ally Financial back, and they suggested I reach out to the bank because the transactions are reading as cancelled in their system and suggested I call the bank because they may have placed a cancellation on the payments, I called the bank, got two letters from them stating the funds had been released from the account to XXXX XXXX XXXX. I provided the letter from the bank to both Ally Financial as well as XXXX, and no one has responded to it. In XXXX I received a demand letter from Ally Financial that I needed to pay the past due amount ASAP or else they would be repossessing my truck ; with no resolution thus far, I just went head and paid it, with another request that they, Ally Financial, open an investigation on my previous payment and refund me back the additional payment I just made. I went to check my credit score and I notice Ally Financial has me listed down as missing 4 payments, which has dropped my credit score dramatically, and I feel that is not right to me, because I have provided all my proof that they initial payments had been made, and it seems as though no one is looking into these missing payments, and its not right that I have to yet again, pay extra car payments that have already been paid, without any resolution as to what happened to my initial payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to have money taken directly out of my checking account by using routing and account number for XXXX which I had more than requested, to make an online purchase, and the bank declined my charge. I then contacted the bank asking why it was declined and requested that my debit card limit be raised to XXXX so that I can complete a purchase of a sale item, and was told no. I questioned why I do not have access to the requested amount, even though my balance had more than what was being requested. I was told that I would have to speak a certain department requesting access to that much money, and their decision could take days. Which, would cause me to miss the sale and pay a higher price for the same item. I am not asking for credit line increase, I am asking to be able to use the funds that are showing available in my account and am being denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27549
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XX/XX/XXXX card was lost/stolen, ordered new card, still have not received the card it is now XX/XX/23. They stated it was issued XX/XX/XXXX and then in XXXX they stated there was a shortage of chips. Then just now they said it is still a shortage. I have received cards from other card companies. They can at least give me an electronic digital card or issue cards without a chip it is that simple. I am making payments yet not getting to use my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Downing town XXXX used ally financial to finance my loan. Loan agreement was changed after paperwork was signed and I went to the bank to get down payment. I was not allowed to leave the dealer as the workers would not let me. And demanded I stay till paper work is signed. Finally I was let go to the bank to bring a {$2000.00} down payment which did not go towards my car after associate stated it would. The company ally financial then reported recently a XXXX day late penalty to XXXX yet this is incorrect. Im accordance with the fair credit reporting act this has violated multiple of my rights and I will continue to take actions further with an auto attorney if this is not fixed within XXXX days. Either the late payment on my credit must be removed or this investigation will further with notarization. 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 an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card 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: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A