Date Received: 2022-12-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX I received an email from Ally stating a transaction has been declined due to insufficient funds. The transaction was for {$2700.00} and the only vendor information given was XXXX. I did not recognize the transaction, the amount, or the vendor and therefore immediately called the bank to instruct them that the transaction was fraudulent, should be blocked if it reoccurs, and that we should take proactive steps to ensure that the integrity of my account information hasnt been compromised. When speaking with the company they confirmed that there was no record of the attempted transaction, the subsequent decline, or the email communication sent to me thus leading me to the only rational conclusion that the email was fraudulent and that no such attempted transaction has occurred considering neither I nor the bank recognized the transaction. No action was taken by the bank to further protect my account or funds. On XXXX XXXX, I received an additional email and has the exact same experience when speaking with the bank. On XXXX XXXX I checked my account and saw that the exact amount of funds had in fact been withdrawn from my account via ACH. The banks failure to assist me with my two previous request resulted in the loss of funds from my account. This couldve been prevented if the banks customer service representatives had been able view the declined transaction the two previous times it was attempted and had assisted me as requested by either blocking any future similar attempts or changing my account number/debit card number to one that was no longer compromised. This loss of funds from my account at month end caused me to be unable to pay my mortgage and credit card bills this resulting in monetary penalties and fees as well as severe emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a Complaint on this issue previously ( # XXXX ), that was closed after Ally Bank provided an answer to my Complaint. Unhappily, the response was completely inadequate as Ally Bank again falsely claimed that I authorized the transfer at issue from my Mobile Phone. That did not occur, and the proof that I submitted is something on which even Ally Bank agrees. More specifically, the moment I discovered the transfer of {$9800.00} from my Savings Account, I asked the Agent with whom I spoke ( on XX/XX/22 ) to please stop the transfer, that I had nothing to do with it, and no knowledge of from where it came. The Agent refused and although the money was initially refunded, Ally again took the money from my Account and their response to multiple letters and phone calls is now that the " disputed ACH transfer was made from your device, '' which is just not true, however, that is apparently all that must be claimed in order to keep {$10000.00} of mine that I need desperately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In addition to being a ID theft victim, the info on my XXXX and XXXX reports are showing a car that was charged off but paid in full in XX/XX/2022 is showing XXXX ( CHARGE OFF/COLLECTIONSs ) on every month since XXXX of 2022. How can this be? IF the loan was paid in full in XXXX why isnt the reporting of the loan being accurately reported? The other issue is I am bot the person who got this loan as my ID was stolen. I am providing the FTC and Police report info with this complaint. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ALLY BANK XXXX XXXX XXXXXXXX XXXX # XXXX, MI XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A copy of my credit report I received from annualcreditreport.com. The fraudulent items are circled and listed here : 1. ALLY BANK AUTO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from XXXX The fraudulent items are circled. A copy of my Identity Theft Victims Complaint and Affidavit. A copy of my FTC Identity Theft Report. Proof of my identity and proof of my address. Confirmation of fraud alert. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX Enclosures : Proof of identity : [ a copy of my driver 's license/other government-issued identification card/other ] Proof of address Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ] Copy of fraud alert
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX of XXXX I tried to cash a personal check that I received from my dad for XXXX. It was {$350.00}, but half of it was for my husband. So I waited for my check to clear, then I tried to send half of it to my husband. Then my bank which is Ally, flagged and locked me out of my account. I called my bank to ask why did I get flagged and locked out? Customer service didn't give me a straight answer on why this happened. So I waited for a while then called back and still didn't get no where. So I called my dad and asked if the {$350.00} left his bank which is XXXX XXXX he said the the funs has left his bank. So I don't know why I'm locked out of my account when my check cleared and has left my dad 's bank. I normally make transfers to my husband from my bank accounts using XXXX but since my bank decided to decline the transfer that I definitely had enough money to cover. I only needed to send my husband {$170.00}. Now I'm in the negative with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022, I checked my XXXX XXXX. I noticed that my score had significantly dropped. I then saw that my car loan through Ally Financial was in collections. I had no idea why. I've made every payment on time. They take the payment automatically from my bank account. As I have set it up this way since the beginning of my loan. I called the number for Ally financial provided by XXXX XXXX. I talked to at least XXXX people who were just as confused as I. They kept passing me on to the next person. Finally, a gentle man named XXXX helped me. He read through the notes and said they made no sense. He said that there was a note stating that on XX/XX/2022 I said that I will no longer be paying my account, but that didn't make sense that was 2 days before my first payment on the Vehicle. he then interpreted it to mean XX/XX/2022, but which makes no sense to me because no such conversation was ever held, and all calls are recorded. He also stated that there was a plan to repo XXXX XXXX, but for what reason he was not sure because he could see from his end that all payments were made on time, never once late. Also, he states that my account was sent to collections on XXXX XXXX which also makes no sense, because my payment date is on the XXXX. Also, it's the day before the supposed phone call. Now my account is in collections. with an extra {$170.00} attached to it. My credit score has dropped by almost XXXX points. I have 3 days ( 11 days at the time, ) for my XXXX son and I to move, and my credit is too low to move into any place now. I've tried to find a room to rent for now, but nothing is available for a single father in XXXX XXXX at the moment. All the rooms I find for rent are either for single men with no children, female only, or single mothers. now I'll be stuck living out of hotel rooms which are very pricey and will not have a stove to cook for my son and I while I slowly work on fixing my credit. XXXX XXXX said the only way to immediately fix my credit was to pay the remaining balance in full, plus the additional extra fee before XXXX, which would be impossible for me. especially with my now very low credit score, I wouldn't even qualify for a loan to pay it off. He tried to get me a discount but wasn't able to. he was so upset for me he started cursing on the phone saying this is all XXXX. He apologized for what happened to me and set me up with a new payment plan starting the next month so I could enjoy my XXXX with my son. After doing the math myself the plan he gave me actually was interest free and saves me {$5100.00} in interest fees. But in the end, the situation still puts my son and I on the road without a home and nowhere to cook. Also, it would hinder my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a month. I also Have a XXXX to XXXX for the end of XXXX that is paying {$25000.00} that will have to be canceled XXXX XXXX XXXX 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: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX ALLY FINANCIAL has accessed my credit report from both XXXX and XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit. Following this incident, I have placed a fraud alert on my credit report. It is clear that someone else is trying to acquire some financial products using my information in a year period.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02048
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: To whom it my concern : I extended my credit to ALLY BANK for a consumer credit transaction on XX/XX/XXXX. I the consumer and natural person, was denied credit by ALLY BANK when I applied for a XXXX XXXX XXXX. Tried reaching out to ALLY BANK regarding the denial even when stating the laws and the violations they stated that they couldnt discuss the discussion and that I would need to talk to the dealership. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. As I have proof that i was discriminated against by ALLY BANK due to the response I received. ( see attachments ) ALLY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of ALLY BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Numerous repeated calls every day. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX Ally Financial. Pre-recorded message each time, Very quick talking and not understandable at all. I believe I can understand they are looking for someone with same last name, who we don't know. Attempted to contact Number and asking for account number, which we don't have because we don't have an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53545
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are Inquiries that are reflecting on my credit report that I have not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A