Date Received: 2022-12-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I contacted Ally on XX/XX/2022 regarding their misleading and false interest rate emails. I decided to move my account to XXXX Bank on that date and filled out the on line form per the CS rep 's instructions. On XX/XX/2022 I learned that my account of {>= $1,000,000} had NOT been wired to XXXX. I called Ally on XXXX and spoke to XXXX and she asked me some detailed questions to verify it was me and she stated that my account would be wired that day. I learned on XX/XX/2022 my funds still have not be wired. I called and talked to XXXX at Ally and she NOW wanted a statement from XXXX emailed to her. After much effort I was able to obtain a statement and emailed it to her on XX/XX/2022. I learned today XX/XX/2022 that my funds of now {>= $1,000,000} have still NOT been wired to XXXX!!!!! I even paid their {$20.00} wire fee two weeks ago!!!! Ally is converting my funds and and I am losing interest every day from Ally 's intentional acts. You need to fine them millions and force them to pay me my lost interest and wire fee!!!! I first filed my Complaint to the XXXX and they sent to it to the Federal Reserve who NOW tell today that it goes to your agency!!!!! Please do something ASAP as I needed this money wired to XXXX Bank on XX/XX/2022 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 602 states I have the right to privacy. 15 USC 181 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: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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 a so states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose. 301
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize or apply for anything from Ally Financial I called them and they also acknowledged that I did not apply this company is on my credit report not once but twice.. why would a person reapply at a place if they were denied once already it is clearly a error
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06051
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a new member of Ally Bank. I desperately need someone's help. Upon signing up I made my first deposit into a bank account for {$5000.00} on XX/XX/XXXX via mobile app. I contacted customer service via app and was then told there would be a 5 day hold until XX/XX/XXXX. 4 days later on XX/XX/XXXX my account was locked. I spoke with someone named XXXX who said he was an investigator on XX/XX/XXXX who said I was under investigation for the deposit I made and that i would be locked out of my account until the check cleared. After that on XXXX I spoke to XXXX in the fraud dept who wasn't much help telling me an investigation is XXXX min but there was no timeline for when this would be resolved and then later XXXX on who was very helpful telling me the check would be clear on XXXX at XXXX and to call back on XXXX and my acct would be unlocked. I called numerous times on XXXX to regain access to my acct. XXXX in the fraud dept hasn't helped me fix anything and has hung up on me numerous times and keeps telling me that he nor anyone else can help me or unlock my acct. And that it will stay this way for an undetermined amount of time but that it would be a min of 30 days. For what I ask you the check? The check has cleared the funds have been taken from the bank account the check was drawn on and is in allies possession and still I have no access to my account of my money and worse I am being told by customer service and fraud dept that there is no one there that can help me and they can not provide me with any other information or transfer me to anyone that can resolve this issue. I have dealt with many banks and financial institutions in my days but have never in my life dealt with such a rude XXXX and unwilling to help bunch of people which I have had to while dealing with Ally. I need someone to please help me resolve this immediately. I tried once again this morning XXXX to resolve this issue first speaking to XXXX who just hung up on me and then XXXX who said she couldn't do anything and there wasn't anyone else iI could speak too transferring me to her supervisors voicemail that says they will respond in XXXX hours but thats a lie as I've called and left messages for more than a week with no response whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In accordance with ally.com policy, an online Secure Message was sent in writing, regarding an ally.com Bill Pay failure, on XX/XX/2022. However, no reply was ever received. Thereafter, repeated attempts were made, both by phone and by Secure Message, to obtain a reply. The most recent of these numerous attempts was on XX/XX/2022. This was a phone call to Ally representative XXXX who transferred me to Ally Supervisor XXXX who stated that there would be a Secure Message reply to my XX/XX/2022, Secure Message regarding Bill Pay failure, by XX/XX/2022. XXXX XXXX 's statement was false. What appropriate penalties and compensation can the Consumer Financial Protection Bureau impose to remedy this issue for all of the patrons of this bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XXXX to present Finance amount- {$17000.00} XXXX {$1500.00} Payments made- {$11000.00} I have been going back and forth with Ally Financial about my vehicle. My rights as a consumer has been violated. Ally Financial has failed to acknowledge my rights of rescission and ignored my Cease and Desist of the auto contact. All of my findings are correct with the misleading conduct that was done with my auto contract. There was cash mixed with an open-ending credit transaction which went against Truth in Lending Act. I never received any information about my rights to rescind the contract. The finance charges was not disclosed to me with a break down of any kind. The auto insurance that I was informed that I had to get was not added to my contact. After going over my contract I noticed that there are no signatures from the dealership or Ally Financial. I was never given or shown a letter of credit that was given for the auto contract. Ally Financial has went against 15 USC 1631 ( a ) ( b ) Disclosure Requirements, 15 USC 1662 ( 2 ) Advertising of downpayments and installments, 15 USC1635 ( b ) ( f ) Right of rescission, 15 USC 1605 Determination of finance charges, 15 USC 1666 ( B ) ( 2 ) correction of billing errors,! 5 USC 1666 ( D ) treatment of credit balance, 12 CFR 1026 Truth in Lending, UCC 2-325 letter of credit.
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: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: 1. On XX/XX/XXXX Ally Bank sent a third party to my home address to seize my property for payments. According to the 5th amendment, my privacy was violated, while I have a private property NO TRESPASSING sign on my property. 1.a ) Criminal trespass in the first degree is a Class A Misdemeanor which is punishable by up to one full year in jail, a {$2000.00} fine and probation. Criminal trespass in the second degree is the midlevel trespassing statute in Connecticut. The statutory citation is Connecticut Gen, Statues Section 53a-108. 2. Ally Bank has violated 2018 Connecticut General Statutes Title 36a - The Banking Law of Connecticut Chapter 669 - Regulated Activities Section 36a-646 - ( Formerly Sec. 36-243b ). Prohibited acts. Universal Citation : CT Gen Stat 36a-646 ( 2018 ) " No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt ". 3. Ally Bank has violated : The Fifth Amendment protects the right to private property in two ways. First, it states that a person may not be deprived of property by the government without due process of law, or fair procedures. 4. Please see attachment for proof of " NO TRESPASSING ''. Since that day I have been trying to get my property back and I have been getting the runaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Now, there is no answer with this company, violating my right, since I paid this debt... I have not had an answer for more than 45 business days, I have demanded that you correct my credit report, and delete your incorrect information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A