Date Received: 2022-12-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On today, XX/XX/2023 I was trying to XXXX money from my Ally bank to my XXXX account so that would be able to pay a bill. The XXXX did not go through and a message was received to call the bank. I called and found out that my XXXX was restricted and I was transferred to loss prevention. They asked me questions regarding my cell provided which I didn't find relevant to me accessing XXXX. After multiple conversations with different incompetent individuals I finally got a person who I thought would be of help. Wrong, this person not only didn't help me with the XXXX restriction but by the time I was finished with the call she ( XXXX XXXX had restricted my entire account. I asked her why I couldn't long on to my online banking and she told me that I would receive a email requesting documentation verifying my identity. I am not sure what XXXX, which is not a product of Ally but a tool used to transfer money has to do with my account. I am also confused how I go from questions about XXXX to not being able to access my account or my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Good day Ally Bank and CFPB, Ever since XX/XX/ it appears I have been block by Ally Bank allowing me to access the website. I have tried even after today to access the webpage of my account. It appears to me that the people that work for ally from home could be doing something unfair. I called on XX/XX/ to get my password changed. I was transferred two times and referred four, including audimatted transferred calls. I was and am give the same password that does not seem to work for me. It is the temporary password that encompasses the first letter of my last name, the last 4 digits of my SSN and three exclamation marks. This is too easy for a bank to give as a temporary and verbally as password. Other banks send you link that has a filling for the new password. These Ally people either want you to get password verbally from sneaky working at home banking staff who know it as they tell you the temporary password or the send me atleast a link that needs a password to get to the password assist page. Someone's running a scam that has staff knowing what customers are using to acres their accounts. You should not have to have a bank person working from home tell you a private temporary password. Or maybe they give minorities the same passwrd and others a different one each time. The staff could access the page before you. Its a joke to minority 's and veterans. I need good two step private access to my Ally acount and password change without bank personnel knowing it before me.
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: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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 an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was leasing a XXXX in 2020. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from Ally Financial of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an Ally representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from Ally. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with Ally financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from Ally rep to Ally rep and would prefer to avoid suffering through that process again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Statements that I am opening other cards are being sent to XXXX. I have closed this account nearly 5 years ago and have never opened another account. This conduct is harming my credit reporrt and XXXX Score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Financial used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We are late on the payment and Ally Finacial called my wifes ex husbands Wife to attempt to reach us. She is not family or next of kin and this is a violation of privacy to involve someone such as an ex-spouses new spouse who we do not associate with. Dont even know how they got her number in the first place. Ive been married to my wife for 17 years and shes been divorced from her ex since 2000. They never had a loan together with Ally, and for them to reach out to people who arent even family is absurd. When you attempt to talk with Ally Finacial you get a foreigner who barely speaks XXXX. I feel our rights have been violated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have two complaints I want to file against Ally Bank. For the past 2 months I have had problems logging onto the Ally Bank website to manage my checking account. Each time I log onto the account I am forced to enter a security code that they send to me by my email account. Sometimes the code does not arrive at my email account and I can't log onto the account. I have filed numerous complaints about this with Ally Bank and they refuse to fix the problem. I would like to say I have had the same computer for 3 years and do not travel. There is no problem with my computer. I use this same computer to log onto other financial institutions with no problems. I have complained to Ally Bank numerous times about this problem. This bank refuses to fix the problem. I want to find a second complaint against them. Recently, Ally Bank contacted me saying they will no longer send me the security code to my email account. They now want to text or call me to send this code to my telephone. I want to file a complaint against this as well. I do not want to use my telephone as a means of logging into my checking account. This is an invasion of my privacy. I should not have to have or use a telephone to maintain a bank account. My telephone is paid for by my employer and they must pay for all the incoming calls. My telephone does not support text messages. I have filed complaints with Ally Bank about this new policy they have and they refuse to exempt me from this new rule they have. I want something done against this bank. I have been treated very unfairly. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21811
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX claims to offer low interest rates for auto loans and makes you fill out a decent amount of information and they pull your credit without you knowing so. Not only was my credit pulled once, it was pulled FOUR times!!! Credit that i have worked so hard to build!!! This took place Monday, XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
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 an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A