Date Received: 2022-12-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an IRA account with Ally. After initially being able to log in, I sent a deposit to them in the amount of {$7000.00}. The following week, I was unable to log into my account. After calling them multiple times, I was unable to verify via their credit security check. I have tried multiple times and have been met with unprofessional behavior and unkept promises to return correspondence. I have logs of all my calls which showed I called them more than four times trying to access my account. In the end, I don't even know whether I have an account due to a bizarre email with the subject header " We weren't able to approve your application. '' AFTER I already opened an account, logged in and deposited money. However, after that, I also received multiple emails with the subject " You have a new statement available from XXXX XXXXXXXX XXXX. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I transfer funds ( $ XXXX ) to XXXX XXXX on XXXX, as I have done several times in the past. I again transferred funds ( $ XXXX ) on XXXX and Ally ( XXXX ) Locked my Account. I submitted their ( XXXXXXXX XXXX XXXX required information including XXXX XXXX profile as proof of ownership to XXXX at Ally. He said he needed a XXXX copy of current XXXX XXXX XXXX. I refused as the Statement includes all my XXXX Accounts which is private information. He then Locked my Account. I called Ally on three different numbers and each time was put on hold ( 30 minutes ) until XXXX answered. He would not let me talk to anyone at Ally and refused to email me anything about our conversation. I have no access to the account and consider this to be XXXX. I have asked XXXX to close the account, but he refuses and said the account will be Locked for 30 to 60 days. I have had bank accounts for over 50 years, and this is the Worst Banking experience. Ally ( XXXX ) has cost me hours and anxiety as well as loss of income from the Locking of my account by XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68164
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I attempted to open a {$10000.00} CD with Ally Bank by transferring funds from my checking account at XXXX XXXX XXXX XXXX ( XXXX ). Due to a double-funding problem ( XXXX {$10000.00} ACH transfers occurred ), I requested that XXXX return ONE of the {$10000.00} ACH transactions, which they did. At that point, Ally had my other {$10000.00}. Ally then brought my CD account to {$0.00}. They claim that BOTH {$10000.00} ACH transactions were returned to XXXX. However, XXXX has done extensive research on this matter, and they contend only one ACH transaction was returned. Below is an overview provided to Ally Bank from XXXX explaining their efforts ( my name is being redacted ). Ally has yet to provide the tracing number on what they allege was the second ACH return. I have made numerous phone and email attempts over the past 6 plus weeks to resolve this to no avail. At this point, I have been without my original {$10000.00} for over six weeks. EMAIL FROM XXXX ..... XXXX XXXX XXXX XXXX received XXXX debits to REDACTED account on XX/XX/2022, in the amount of {$10000.00}. On XX/XX/2022, XXXX of the debits was returned XXXX to Ally Bank. Your email stated that Ally Bank was notified by the debiting institution the transfers were rejected due to insufficient funds. On XX/XX/XXXX, the funds were returned back to your XXXX XXXX XXXX XXXX. Only ONE debit was returned as NSF by XXXX XXXX XXXX XXXX. On XX/XX/2022, XXXX XXXX XXXX XXXX received a FAX from XXXX XXXX at XXXX, Allys Third-Party Service Provider, requesting the return of the ACH transaction XXXX ( description TRANSFER ). After several attempts calling with no answer, I emailed XXXX XXXX at XXXX that the ACH transaction had been return XXXX on XX/XX/2022. To date since XX/XX/XXXX, REDACTED 's account at XXXX XXXX XXXX XXXX has had the XXXX debits as explained above and XXXX credit from XXXX XXXX XXXX XXXX when the extra debit was returned by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX does not use a Third-Party Service Provider. We send and receive our ACH files directly through the XXXX XXXX XXXX. I have spoken to the XXXX XXXX XXXX we have not received the second credit transfer from Ally Bank. You stated in your email the ACH transfer was rejected for Non-Transactional Account. While the funds were debited from your external account, the credit transfer was not completed. The credit should be coming from Ally. I explained this when I spoke to the XXXX XXXX XXXX and that Ally Bank is recommending us to file a dispute for an incomplete transfer. The XXXX XXXX does not see how this can be done if XXXX XXXX XXXX XXXX has not received the credit and we have no incomplete or rejected files. No letter of instructions has been received by XXXX XXXX XXXX XXXX from Ally in an attempt to rectify the issue. We have received a FAX from XXXX requesting a return XXXX for an ACH transaction with a description of TRANSFER and the Trace number is for the ACCT FUND transaction. I have provided REDACTED with copies of the FAX received and FED reports showing the accepted received and returned items with trace numbers. I am requesting on REDACTEDs behalf, trace numbers from Ally or Fiserv ( Allys Third-Party Service Provider ) of the credit ( rejected ) ACH transaction sent back to XXXX XXXX XXXX XXXX through the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 613XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022 I opened a Checking and Savings account with Ally Bank. Immediately after opening the account I transferred {$250.00} via XXXX into my new Checking account. The next morning on XX/XX/2022, I received an email that my account had been locked and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my account from another country and they had locked the account for that reason. I was told someone from the Fraud department had been assigned and I would receive a call back within XXXX business days. I did not receive a call back, and had to call again myself. I was transferred to the Fraud Department and they told me that I would need to provide photos of my Driver 's License and Social Security card in order to unlock my account. At this point I decided I no longer wished to bank with Ally, and asked that they return my funds and close the account. The person I was speaking with said they could not do that and explained that the only way for my money to be returned and account closed was to provide the private documents that they requested. Ally has proven to me that they are an untrustworthy company by only locking my account and requesting these private documents after I deposited my hard earned money into their account. I explained to the representative that I do not trust Ally, and will not provide the requested documents. I was transferred to a supervisor, and got a voicemail that told me I would receive a call back with 48 hours. I left a message, and 3 business days passed without a call back. I called Ally again on XX/XX/2022, and again explained my situation to the representative who told me the same thing as previous, and again offered to transfer me to the supervisor voicemail, I insisted that I told directly with a supervisor and not the voicemail because that did not get me a call back last time. The representative said there is nothing else they could do for me, and transferred me to the voicemail where I again left a message to be called back. At this point it feels as though Ally Bank has stolen this money from me, and is holding it hostage until I turn over my private information. I no longer trust Ally Bank, and will not provide them with any further documentation. I would like my money returned exactly as it was deposited, and my accounts closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have an airline loan because I already pay half oh XXXX with you and pay this amount. Do you wan na leave my car because you take it to the impound impound it does it have a L I already take you for that my vehicle where are you vehicle? I want to pick it up and pound it doesnt have it. It doesnt have any info customer service she tell me the impart airline is coming vehicle is already pick it up. You got ta call Ally company, OK? I have a police report. Also everything information I can give you can you help please take out the action because nobody help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
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: You are Violating the FCRA Pursuant 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience between the CONSUMER and PERSON making the report is not included on the consumer reports!! Delete ALL Late Payments on my Consumer Report. Specifically, this account with, ALLY FINCL, XX/XX/2021 and XX/XX/2021 you reported that my transaction was 30 days late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32401
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Since XX/XX/2022 I have been trying to get some type of understanding of my auto loan with Ally Financial. I have put in two complaints with this company under XXXX XX/XX/2022 and XXXX XX/XX/2022. The company responding back that they are still working on the issues. Ally Financial lied once again to the CFPB and myself because I received a letter today that was dated for XX/XX/2022 stating that my account is now a charge off and they will not be sending the title to the vehicle until I pay {$14000.00}. It stated that my account was a charge off but it was referred to there XXXX XXXX XXXX. So at this point in time it clearly shows that Ally Financial is not a trust worthy company being that they can violate so many of my consumer rights. Once again Ally Financial has broken yet another law with out blinking an eye 12 1026.13 Billing error resolution-Based on the Payment history that was received by Ally Financial XXXX XXXX states that the original balance is {$17000.00} with a remaining balance of {$14000.00} left to be paid. The contract on file states that the total sales price is {$27000.00} with my down payment of {$1500.00} there is money not being reported. Under 12 CFR 1026.13 what happened to the {$10000.00} it must be in limbo somewhere? What was supposed to be credited to me the consumer was clearly not. The total financed on the contract states {$27000.00} so what happen to the {$10.00}, XXXX dollars. After doing some calculations on my end the break down is not right in I stated that to the Agent from Ally financial XXXX XXXX when she called me after my first complaint with the CFPB. I have sent my letters of Affidavit, Cease and Deist of contract under my consumer rights of recession. The company still went against 12 CFR 1026.13 ( d ) Billing error resolution because they still counted each month as a missed payment and reported on my credit as a repossession which I have a copy of my report. So is it that Ally Financial can charge off my account and a sneaking way but report to the CFBP that they are working on the issues at two different times but still send me a letter, block my account and report fails information on my credit. Ally Financial is attempting to take advantage of a consumer and continuously lie. I have stated everything that was done in my letters to the company and my complaints with the CFPB. Also, I have uploaded all documents that was needed for my case because I do not trust Ally Financial to do what is right cause clearly they believe they are above the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: An electronic bill payment was made on XXXX in the amount of {$290.00} to Ollo Card, account ending XXXX. It is now, XXXX account does not reflect this amount in available credit, appears to be a hold on it. The same situation occurred with a prior e-bill payment, held for several days before released, a CFPB complaint was filed regarding that payment as well ... In regard to that complaint, Ollo Card rep chose to reach out AFTER reply to CFPB, in which case, call not accepted.. Had Ollo rep reached out BEFORE replying to CFPB, matter might have been resolved, unfortunately, rep chose to reach out after replying to CFPB as stated prior.. Should same situation occur this time around, call will not be accepted.. Due to prior returned ACH payments, Ollo is now holding any and all payments, including e-bill pay, which sent directly to Ollo, nothing to clear as the funds are sent directly... Please note, I've attempted to explain this to Ollo reps including a supervisor, unable to get hold lifted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I wrote three cease and desist letters to Ally Financial after, I was harrased by deceptive practices and intimidation after asking for validation of the debt. Now I was under a consumer credit transaction of financing an auto loan. I asked for an on and off ledger at the time of the said debt was established. Never got a response they sold my information without my consent to a third party to come to my house and breach of peace and take my vehicle I protested that their is a cease and desist in effect and the gentleman continued and took my vehicle XX/XX/XXXX at approximately XXXX. This contract is fraud because in the XXXX XXXX you can not have a credit transaction and cash transaction its either or so the the finance charge was {$14000.00}, amount financed was {$28000.00} The total of payments is {$43000.00},. The total sales price was XXXX including a cash down payment of {$2000.00}. Ally has possession of my vehicle which they obtained using deceptive practices and threaten XXXX by sending police to my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A