Date Received: 2024-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open an Ally account last 2 weeks, I made a {$3000.00} check deposit from another bank that I closed the account, while having Ally I made XXXX transfer from one of my account to another which I found weird since it took 1-2days to do the transaction, I call Ally about it and they told me that using XXXX for yourself will prevent the fast delivery since the system notice its yourself sending the money. At first it made sense but then I realize that I was doing this same thing when I used to have chase and XXXX with no problem. A day after the check deposit was reflected, I notice my XXXX was lock which the app tells me to call Ally. I did the call, and they ask me if I have use any other machine to log in into my account I told them I use my XXXX or XXXX, they proceed to tell me that someone was trying to hack my account and that due to security reasons my account needed to be on hold. At first I was worried and ask them if I can take some money out since I needed to make payments, they tell me that while the account is on hold and under investigation that I couldnt access my money. After 2 days I notice that I cant access my Ally bank app and it tells me that I have to call them. I call Ally and they now tell me that my account is under investigation because apparently there were suspicious transactions in my account, one of them been XXXX which is the merchant I use to receive payments for my store. When you open your account they ask where do you work. Im a XXXX and I own a XXXX XXXX, the current way I get income is by accepting payments with XXXX. Every Monday, the deposit from XXXX goes to my bank account I explain this to Ally and they tell me that the deposit needed to be under my name and not my store name and that even if I clarify that, they still needed to have someone investigate the account. My 3rd time in a different day calling Ally, and at this point Im upset, Im unable to use the money on my account because Ally made it seem that im not an account holder Im locked out from the entire bank and I can only just call them to check the status of the investigation, they tell me that the investigator needed to see if they want to keep me as a customer or just closed the account and send me the check to mail, Ally doesnt known when this can be done, they dont give you a time frame, NOTHING. My $ XXXX funds are now in a account that I dont have access too until Ally finalizes their investigation. The funny part is that the 3rd caller tells me that since they are an online bank they almost red flag everything. Why did I choose this mediocre bank? I did my research and I wanted to have a account where I can save or hold some money and Ally had this high APR interest but to me honest I rather go back to chase or XXXX XXXX XXXXXXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My account is in good standing for 14 years! Ally bank has blocked all access to my checking account. Ally bank has changed the customer service phone format to asking for games to be played e.g.questions.etc.before connecting to customer service people. Also, the same problem when trying to chat or e-mail. I did connect to a person by the nane of '' XXXX '' on XXXX. This person was extremely rude and said I had the wrong department. Ally bank has made it impossible to get any information regarding my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/24 received email that account is being investigated for fraud. Called and spoke with representative and they were unable to verify my security questions nor tell me why they have changed. No information given XX/XX/24 - account still locked and called and spoke with representative which told me account was under review and could not tell me why or when it would be resolved XX/XX/24 - account still locked and called to speak with customer service and was told they could not give me any information on why or when account would be unlocked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11530
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX ( me/my/I ) and Ally Leasing ( they/company ) agreed upon a lease-end purchase price of my XXXX XXXX XXXX of {$13000.00}. This price was agreed upon via virtual chat was Ally Leasing assistants ( chat image uploaded - Images 1.1 and 1.2 ), and included the final month 's lease payment ( XX/XX/XXXX ) rolled into the payment. Ally stated that it would take them 1-2 weeks to process the payment, and then they would send paperwork to XXXX to transfer the title of the vehicle. A check for this amount was written by XXXX XXXX ( XXXX 's father ), and mailed to Ally. This check was cashed on XX/XX/XXXX ( account status image uploaded - Image 2 ). Following this, on XX/XX/XXXX, via chat with Ally virtual assistants, they confirmed that the account was upgraded to remarketing since the vehicle had been successfully " bought out '' ( chat image uploaded - Image 3 ). Additionally, the account status of the lease was reported to all major credit reporting agencies as fully paid off/closed ( credit image uploaded - Image 4 ). Ally Financing failed to initiate any further contact until XX/XX/XXXX. On XX/XX/XXXX, Ally called XXXX XXXX ( also on lease with XXXX ) to inform her that Ally could not accept the payment that had already been cashed as it was a check written by a " third party. '' Ally stated that they would be refunding this payment to XXXX XXXX, and that XXXX would need to re-issue a check to Ally. XXXX informed XXXX of this call, and XXXX called Ally back. On a recorded line with Ally, XXXX confirmed multiple things : 1 ) what types of checks Ally could accept, and why this was unacceptable. XXXX also explained that the third party clause was not disclosed to him, to which the Ally agent agreed that they had not disclosed to him since they failed to issue a buyout document. 2 ) that there would not be any additional fees incurred due to Ally 's error, to which the Ally agent agreed. She stated that if the monies were reprocessed immediately to Ally, no account fees would generate. 3 ) that there would not be an impact to XXXX or XXXX 's credit due to Ally 's error, to which the Ally agent agreed. She stated that the account was in good standing, and we were working towards a buyout. Ally 's app shows that they refunded the check on XX/XX/XXXX ( account image uploaded - Image 5 ). This physical check was not postage-marked until XX/XX/XXXX, and did not arrive until XX/XX/XXXX. XXXX proceeded to issue a new bankers check on XX/XX/XXXX, and USPS first-class shipped ( image uploaded - Image 6 ) the check to Ally with a confirmed delivery of XX/XX/XXXX ( image uploaded - Image 7 ). Ally did not cash the check until XX/XX/XXXX per their app ( image uploaded - Image 8 ). Almost immediately upon the check being refunded by Ally, XXXX and XXXX started receiving threatening phone calls from Ally stating that they were trying to collect on a debt that was " overdue. '' XXXX answered one of the phone calls, and gave a full description of the situation. The account agent stated that he would annotate on the account, and it should prevent negative credit reporting as this situation was unique and caused by Ally. On XX/XX/XXXX, XXXX received a letter in the mail from Ally stating that they had reported negative credit information to the credit reporting bureaus ( image uploaded - Image 9 ). Additionally, on XXXX 's credit reports, it states that his XXXX lease payment was late ( image uploaded - Image 10 ) despite the fact that 1 ) there was no XXXX payment, XXXX was the final payment 2 ) all of the reported information above about how they would not report negative credit, and 3 ) this has been resolved and is fully paid off now. Additionally, it is worth noting that the account is showing a balance of {$2.00} ( image uploaded - Image 11 ), despite the fact that the agreed-upon lease payoff amount was cashed. Also, as of today ( XX/XX/XXXX ), the title of the vehicle is not transferred into my name, despite the original 1-2 week timeline ( also lapsed from XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I request the ally financial the the detail but they got wrong personal info they didn't remove from my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: On XX/XX/2024 I went into XXXX XXXX XXXX on XXXX XXXX XXXX and wanted to purchase a truck for {$80000.00} and the company took my social security number without my consent and opened a loan in my name without my consent and then denied me credit. Ally Bank is the Bank thsts refused to approve my application for a XXXX XXXX XXXX XXXX fully loaded for {$100000.00} us dollars. I lost business as a result of their denial and am currently suffering from not having a new truck to conduct business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: there are multiple hard inquires that was not authorized by me. I have reached out to the credit bureaus to try to get this problem fix and no help was offered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28052
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I didn't Authorization them to run my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: This started back in XXXX. I joined Ally Bank because I was told they were a good bank. However I found out this was not the case. During my time with Ally Bank, a colleague of mine sent me an ACH transfer of {$50000.00} on XX/XX/2024. I needed to transfer to {$50000.00} to another account of mine that was for personal medical issues. When I tried to transfer the {$50000.00}, the website stated I can only do {$25000.00} at a time. So I did I transferred the first {$25000.00} and it went through with no problems whatsoever. When I try to send the second {$25000.00}, suddenly Ally Bank locked my account. So I decided to call them. I kept getting the runaround from every person I talk to even from the fraud investigators. They told me that the {$25000.00} was flagged as fraud which was not true because that {$25000.00} came from the same account as the first XXXX and that was not flag for fraud. The second {$25000.00} had the same information as the first {$25000.00}. After weeks after months of talking to people they finally said that they were closing my account with for no reason whatsoever. Their excuse was that they think it was fraud which it was not. So I asked them where is the second {$25000.00} that was in that account in my account. They said that they were going to send it back to the person that sent it to me. It has been weeks and the person that sent me the {$25000.00} still has not gotten her money back. She's gone to her bank and they have told her that the money has not shown up. I need to know where the {$25000.00} is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally Financial XXXX XXXX XXXX, XXXX, MN XXXX- You furnished the alleged transaction on my XXXX, and XXXX that you identified as late. 15 U.S. Code 1681a - Definitions ; and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor ( which is you in this case Ally Financial ) can treat a payment as late falls under 15 U.S. Code 1666b- Timing of payments ( a ) Time to Make Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by Section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late, you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Please provide proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I request in good faith, under Rule 1002, the documents that show proof that the information pursuant to Sections 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not rely on me stating that you are furnishing accurate information, because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with sections 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide proof of the mailing or delivery of the information required by Section 1666b you can not treat a payment as late, which means you have also violated Section 15 USC 1681s-2. You have 10 calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late and update it as paid as agreed. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX _________________________________ Without Recourse XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A