Date Received: 2022-12-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened an account with ALLY BANK during the 1 % match XXXX XX/XX/XXXX. Transferred {$30000.00} from XXXX and {$31000.00} from XXXX XXXX. Email from ALLY states XXXX transfers has failed and money should go back to external accounts. The missing money is still gone. Its been over a month now and still no money at external accounts or at ALLY BANK. Multiple calls to ALLY customer service stating that the money was sent back to external account and each time they tell me i have to do a dispute process with the external banks. Multiple hours wasted talking to external accounts, all they see is that the money got transferred to ALLY and left their ledger. Disputes were filed and XXXX as of XX/XX/XXXX with a XXXX way call with ally states from their investigation that money should still be at ALLY bank. ALLY states that Incomplete transaction disputes are the only way to get my money back. Multiple rounds of back and forth but no one knows where the money is. I must have spent over 7 hours on the phone with these banks. Who can i contact to straighten this out? attached is ally reference # XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My complaint is against my Bank, Ally Bank. And also XXXX XXXX XXXX. They have not refunded my money for forged and illegally cashed checks. My first complaint to Ally occurred XX/XX/XXXX. Each time I call them for an update, they tell me they cant give me my money back. I wrote XXXX checks that were stolen from a local mailbox ( I did file a police report ) and the person washed the checks, forged a different name, and they were cashed illegally and funds withdrawn from my checking account totaling {$6700.00}. The first check was mailed XX/XX/XXXX for the amount {$2200.00}. It was written to the photographer for my wedding. The second check was mailed XX/XX/XXXX for the amount of {$4400.00}. It was written to the catering company for my wedding. On XX/XX/XXXX, I discovered the checks were washed and cashed illegally when my catering company asked where their check was. I immediately contacted the police and then called Ally Bank. Ally required I fill out XXXX forms and get them notarized ( which cost me over {$30.00} ) Ally received all required information to get my money refunded no later than XXXX weeks from XX/XX/XXXX. As of today, I still havent received my money. Ally is claiming they are asking XXXX XXXX XXXX to research it, then refund Ally, and then I can get my money once Ally is refunded. Ive been very patient, but since Ally allowed my funds to get withdrawn, I hold them accountable and liable for this situation. The checks were obviously forged, yet Ally gave my money to XXXX XXXX XXXXXXXX. It is clear that neither bank has proper policies in place that verify checks arent forged before cashing them. Anything you can do to help me get my money would be greatly appreciated. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Ally Financial has my car note. The note is XXXX per month. If you are 2 or 3 weeks late they charge a XXXX late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022 at approximately XXXX CST I started receiving several emails from ALLY BANK that new accounts were opened with my information. one acct was an interest checking ending in XXXX then another was a savings account ending in XXXX. Then I received an email stating that a XXXX was available for deposit. Then after that I received an email that I needed to call in and verify some information and that the account had been locked due to suspicious activity. I immediately contacted ALLY bank because I HAVE NEVER AND STILL DO NOT HAVE an active account with that company. I spoke to a representative name XXXX i explained what was going on. XXXX he was unable to authenticate me using a three-question set of security questions he was took a report and sent it over the loss prevention department who will review it and if deems that the case was open in error due to fraudulent activity " which it certainly was '' then after approximately 30 days the accounts would be closed. I requested a call back AFTER the investigation. **Again, I have never opened a bank, checking, savings account of any type with ALLY BANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75060
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i was pre approved, approved, for XXXX vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This complaint is about a repossession that Ally Financial reported on my credit record. I want to know why it is there. I too would like to see it eliminated. The automobile was not repossessed. The vehicle was involved in an accident, and I am in possession of all supporting evidence. The automobile has been completely paid off. I have proof of a paid-off automobile and no missed payments in my credit history. I have filed a dispute with the three credit reporting agencies and Ally Financial. A class action lawsuit asserted that the notices Ally Financial provided to borrowers before and after the repossession of their property did not comply with each state 's Uniform Commercial Code form and content standards. Ally Financial Inc. v. Haskins, Case No. XXXX in the XXXX Judicial Circuit Court for XXXX XXXX XXXX Missouri XXXX was a class action case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( ALLY FINANCIAL ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, but I received no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
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 # -- -- --, 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My ally financial account # is : XXXX This account is XXXX years old. I have XXXX bank accounts stored on file in ally financial auto app I been using since inception of loan ( XXXX ) ... ... I RECENTLY FILED A CPB COMPLAINT AGAINST ALLY REGARDING XXXX LATE PAYMENTS THEY WERE REPORTING ... ... .after directly disputing with them & bureaus for two years & two years of THE only negative late payments, it was finally corrected as a result of my complaint with you all! Now I seem to be experiencing some retribution or hazing! My wife made a payment in amount of XXXX on XX/XX/XXXX using her XXXX XXXX routing/acct number ( XXXX ) which is listed on my ally app ( I been using ally apt to pay since day XXXX ) ally state payment was returnedXXXX XXXX shows XXXX deducted on XX/XX/XXXX & there has been no return of money since. THE MONEY IS MISSING AS OF DATE then I personally made a XXXX payment last wednesday ( XXXX ) using my listed XXXX acct XXXX which Is again listed on account & used for last XXXX years. IT TOO WAS RETURNED! I looked in app to see payment info & why returned. It had an different last digit on account ( XXXX vice my account XXXX ) SO SOMETHING IS GOING ON!!!!! SOMEBODY IS PLAYING GAMES!!!! EVERY SINCE LATE PAYMENT DISPUTE! My XXXX payment account been used & stored for XXXX years. All I do is click on it! In fact, both MY XXXX & MY WIFE XXXX IS STORED. There's no manual input during payment just a click WELL I BERN CALLING SINCE XX/XX/XXXX ABOUT HER XXXX PAYMENT & NOW ABOUT MY XXXX PAYMENT & IM ON PHONE XXXX NOW GETTING TRANSFERRED OVERSEAS TO LADIES WHO HAVE NO CLUE WHAT THEY TALKING ABOUT. They refuse to put me on phone with supervisor here in states! LADY TOLD ME MY WIFE MADE XXXX PAYMENT USING SOME ACCOUNT # WE HAVE NO KNOWLEDGE OF. SHE ABSOLUTELY COULDN'T ANSWER HOW MY ACCT LAST DIGIT CHANGE. told me to ask my wife. LBS XXXX cans my XXXX payment but my wife 's XXXX been missing & not returned since XX/XX/XXXX!!! -
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: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A