Date Received: 2022-11-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX this is my response to your letter you sent datingXX/XX/2022 you said in recent response that you believe you are reporting accurate credit information. my problem with that is where you there for this extension of consumer credit? as well as you used the word believe which means you accept as true on a personal level. what you believe and what you can prove and provide are two different meanings. you also had mentioned that theirs still a alleged debt arising from said account? but when i read the truth and lending act and came about the finance charge ( 15 USC 1605 ) that the finance charge SHALL be the sum of all charges! and taken another look at this installment agreement you attached from you're last response it shows multiple charges amounting to XXXX dollars more then the finance charge. can you explain why ally financial shall not be civilly liable for not properly disclosing what the finance charge is? why was i forced into paying for insurance when that as well should have been including in the finance charge? advertising down payments? under section 1640 of tila when a consumer is not fully disclosed the true meaning of the transaction and what is really happening under the open ended credit plan that used for personal family and household purposes shall be liable for double the finance charge. i am still demanding verification or debt, validation of debt, and all accounting on and off ledger and documentation ally has suffered loss and damage. i request you stop sending statements and provide valid proof ally financial is a said creditor. that proof shall not include consumer contract. because as per judgement pacific concrete F.C.U v kauanoe the consumer contract is not sufficient evidence of a debt also provide a audit trail of the transaction originated by you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There are 2 complaints for Ally Bank. COMPLAINT 1 On XX/XX/22 I mailed a deposit to Ally. This is a normal monthly occurrence. On XX/XX/22 I received a call from Ally asking me for sensitive account information as there was a problem with the account. ( This is the basis for the 2nd complaint described below ). I refused to give the requested info and then called Ally on their XXXX number. The problem is Ally could not read the account number on the check I had mailed them and could not deposit it into my account. On a conversation on XX/XX/22 I read the Ally rep the account number. I was assured this would clear up the problem. As of XX/XX/22, at the time of this complaint filing, the check has not been deposited to my account and there has been no communication from Ally as to its status. I need the check deposited or returned to me. COMPLAINT 2 This complaint deals with the method in which Ally contacted me. The initial call from Ally ( XX/XX/22 ) sounded like a " phishing '' call. The rep said there was a problem with my a/c but I would have to provide sensitive info to identify myself. That is always a warning. Later that day Ally sent me an email to my XXXX account asking me to contact them. When you call Ally there are inordinate wait times to reach a representative. On XX/XX/22 I called at XXXX and had a wait time of XXXX minutes before getting disconnected. I call again later and had a wait time of XXXX hr and XXXX minutes. This was the call that I was told the matter would be cleared up. Ally has a secure web site with a " chat '' button. When clicking it over numerous days it did not work. Also on the Ally website there is a " secure message '' feature. I used that secure message feature and have sent Ally 3 messages ( XXXX, XXXX, and XXXX ) regarding this matter. Notwithstanding there website claim of responding to these messages within XXXX days, I have yet to be contacted by Ally on this matter. In summary, Ally engages in a dangerous " phishing call '' making people feel confident in giving sensitive account info on a phone line to a stranger. Ally has available a secured messaging system to do the same thing but does not initiate contact with the customer using this method nor do they reply to customers that use it. Ally does not allow users to converse via secure chat even though they have a chat button on their website. Ally does not provide a fast and secure method that allow customers to communicate with the bank for problems such as these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Ally Financial Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit 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: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally financial is reporting that all payments have been delinquent for the year 2022. I have paid on time ( automatic payments from XX/XX/2022 to current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My name is XXXX XXXX, and I have been a longtime Ally customer. I have happily referred many friends to Ally, because I believe in the service and value Ally has offered over other banks. My experiences over the past two months have brought me to a place I never thought I would be : thinking about moving my money elsewhere and discouraging anyone from banking with Ally. I know you're all incredibly busy, and I so appreciate any time you spend reading this. On XX/XX/22 we discovered that someone had written fraudulent checks and stolen {$10000.00} from our checking account. We went through the investigation and found that a relative 's savings account at a different institution had been compromised. The criminal transferred all of their funds out and downloaded images of all recently deposited checks. They then started using those images to create fake checks for many of my wife 's relatives. We know three who had a similar situation happen as to what happened to us. This was Ally XXXX # XXXX. We went through the process of putting restrictions on the compromised checking account with the Loss Prevention Team. We filled out the affidavits, got a police report, and we did everything that was asked of us. Throughout the process, I asked for a call from our investigator. I was told often we would receive one promptly. I have still to this day never talked to an Investigator. We did eventually get the {$10000.00} back, and the general Loss Prevention Team was able to help me transfer it to our new Checking Account, but we were still told we could not close the comprised account until the investigation was completed. I asked to speak to the investigator, and we did not hear back from them until XX/XX/22 when she left us a voicemail. My wife and I are both XXXX and young parents, so it is hard for me to pickup during XXXX, but I called less than 40 minutes after the investigator called hoping to speak to her. I called again later that day; left two voicemails and still have never heard back. That brings us to XXXX. I got an alert that a large transaction had been posted to the compromised account. I was confused since the account was supposed to be restricted. I had to pay fees for checks I wrote from this account that bounced after it was restricted, so I wasn't sure how a large check could even be cashed. This is in reference to Ally Dispute # XXXX. Someone had written a fraudulent {$8000.00} check to the compromised account, and the money was taken from our Savings Account through an Overdraft Transfer. I immediately called the Loss Prevention Team, and what they discovered on their end was that without our permission the Investigator, who we have never directly communicated with, had reopened the compromised account and turned on Overdraft Transfer Protection. This was on an account I had wanted to close when this process started and was told I could not! We were never notified that the compromised account was " turned back on, '' or that Overdraft Transfer Protection was enabled again. The team at Loss Prevention was kind, the rep I spoke to was empathetic, re-restricted the account, and talked to two levels of supervisors to try to figure out what happened. No one had an explanation, and they all found this quite upsetting. While this was comforting to know that they viewed this as an error Ally caused, it was frustrating to not immediately have my money returned. It is now XX/XX/XXXX. My wife and I have called the Investigator at least once every three days, left messages for Supervisors, contacted Ally through social media, and called the general fraud line countless times. If you look up our case you will see how often we have contacted them. Everytime we call the general fraud line they confirm that we have turned in all the necessary documents, they are confused why this has taken so long to resolve, and they promise we'll hear back soon. Often they have been able to get our investigator on the line, who they both present as the person who created the issue that caused the {$8000.00} to be taken by un-restricting the compromised account without our permission, and the only person who can help us. It makes sense why she would not want to talk to us. When they get her on the line they say either she is unable to talk to us, or she promises she will call you today, or call her direct line back in an hour, and she'll update you. We have done all of this to no avail. My wife and I are now again nervous about our financial stability. The first incident with the {$10000.00} I understood was a fraud that was not our fault or Ally 's. That was resolved in 10 days too. This time really feels like it was Ally 's fault though. Decisions were made without our permission that caused this to happen, and we have been told that Ally was in error. Yet now we are at 34 days and the {$8000.00} taken has not been returned. I tonight have no timetable on when our money will be returned or if I will have to go through this whole process again for a mistake that someone at Ally made. I would love either an e-mail or phone call back ( XXXX ). Thank you so much for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of the accounts listed below. The accounts were place on my credit report that seems to be fraud activity. XXXX. XX/XX/XXXX ally financial XXXX auto loan services-i attempted to dispute they would not removed the fraud inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowledge of account XXXX XXXX XXXX XXXX XXXXthis inquiry is on my credit report twice and is fraud XXXX XXXX XXXX XXXX XXXX XXXX fraud I have no knowledge of account XXXX XXXX XXXX XXXX fraud account is on credit report twice XXXX XXXX XXXX XXXX fraud account XXXXXXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXXXXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXXXXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account XXXX XXXX XXXX XXXX XXXX XXXX fraud account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Car was totaled in XXXX. XXXX insurance and XXXX paid off the remaining balance of {$1200.00}. ALLY bank is charging XXXX and XXXX car note along with additional fees and interest. Billing me due to an error with the XXXX reported dates. Ally refuses to fix their error. The corporation is refusing to allow me to speak to upper management as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Its been over 30 days, and the creditor has not updated information nor provided proof or documentation in regards to a late payment. They have not supplied this information. They must delete the alleged late payments on my credit report. Under federal law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have received a six years loan from Ally Auto Finance on my XXXX XXXX XXXX and I paid off my loan completely. But before I paid my loan I requested two extensions during XXXX that were delayed and the manager did not call me back and later did not grant the extensions. Ally delayed the extensions and as no manager called me back they accumulated late fees, and on top of the late fees they accumulated more late fees, right now are at over {$250.00} and growing. Ally instead fraudulently collected more late fees and withheld my pink slip to try to repossess a paid off loan. I asked for my title and pink slip at least 10 times, but Ally refused to send me my title. The XXXX XXXX speaking representatives always lied to me and even when they promise their managers will call me, no one called me and the still collected more late fees that they added to the loan and that they say I owed. I asked them to remove the late fees and send me my pink slip and they ignored me. Meanwhile they have reported me to the credit bureaus and my high credit score dropped and was damages because of Ally. Ally also blocked me access to details of my loan online and I could not access them to request my pink slip online. This company is evil after I was a good customer for 6 years and paid off my loan they mistreat me and engage in fraud. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A