Date Received: 2022-11-04
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Hello, I am reaching out to Ally Auto and submitting this complaint because I believe that there is a failure of the credit reporting system due to medical emergencies that has created an unjust issue for me. This past year I unfortunately battled multiple health issues. Long term XXXX and XXXX XXXX. Because of this I have been hospitalized twice for weeks at a time. During my last hospitalization I was unable to contact Ally Auto to make my monthly payment. This resulted in a 30 day late on my account and credit report for XX/XX/2022. Once I recovered and returned home, I was able to get caught up on my payments. I am reaching out for a goodwill gesture to forgive this late payment. It would mean the world to me. I am currently trying to live with the tremendous toll that XXXX has had on me personally and the health issues it has left me with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I signed for my son XXXX XXXX to establish credit on a car on XX/XX/22 at XXXX XXXX in XXXX XXXX we both were on the loan with Ally bank. When it came time to make the payment on XX/XX/22 I XXXX XXXX was the only one on the loan.I called Ally to figure out what happened, they said that I was the only applicant on the loan which I was never notified that my son was denied credit. Yet the dealership took our down payment and changed terms without my knowledge. The bank is supposed to be sending me a copy of the loan agreement. I called 3 times to the dealership after the 3 time I finally got ahold of finance manager XXXX, he was going to look in to the situation and call me back that was XX/XX/22 but I think he knows that there was fraud done here on there behalf. Seems like neither the bank or the dealership want to own up to the problem. All I wanted was for my son to establish credit. I really dont know how to get them to fix this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bill payment in amount of XXXX made on my XXXX XXXX account on XXXX. Current balance as of today, XXXX, shows XXXX. However, the payment does not show posted yet no payment due, credit available is- XXXX I've tried to locate payment, unable to do so as well as live rep spoke with today.
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: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Starting XX/XX/2022, I attempted to move money from my online savings account at Ally.com to another place. Message appeared that funds were " restricted '' so I couldn't withdraw any money. Literally, spent hours on the phone with various reps, none of whom was able to tell me why there were restrictions. Eventually, I was promised funds would be released in 48 hours. 50 hours later, funds still restricted. Eventually, restrictions were lifted and I was able to withdraw my money, but meanwhile I had spent hours on the phone and lost income due to not being able to withdraw my money when I wanted to. Despite my repeated requests by phone and by messaging as to why there were restrictions, I've never received an answer. In addition, I had added XXXX to my list of external accounts, had gone through the account verification process ( temporary money transfers from Ally to XXXX ) and the account had been verified. On XX/XX/2022, that account was active ( I have a screen shot showing this, as well as an e/m from Ally ). When I tried to transfer Ally money to that account on XX/XX/2022, the XXXX account was suspended! I still have no logical or reasonable answer, again despite repeated requests, as to why that account was and remains suspended. Ally has told me that the XXXX account number was wrong and told me that i needed to get a letter from " the XXXX '' verifying certain information in order to get the suspension lifted. This, despite the fact that the temporary transfers were verified and the account was active. Again, I have lost money due to not being able to transfer money to my XXXX account. Unfortunately, I can not attach most documents b/c they contain account numbers.
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: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company was never authorized to share personal credit reports with XXXX, XXXX or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this frivolous information on my credit report please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Since XXXX XXXX I have been given the runaround. I have sent countless emails, proof, recorded phone calls etc.Yet, representative XXXX XXXX Ally auto has been negligent and intentionally falsifying statements.My payments for my vehicle were mishandled by Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/2022 my accounts at the Ally Bank ( CD and high-yield ) were restricted due to a " suspicion of fraudulent activity ''. After that in order to verify my identity the Bank asked me to upload copies of my driver license, social security card and a bank statement confirming my home address. I did it in early XXXX. A representative of the Bank informed me that an investigation would be conducted and completed in 3-5 business days. When that period expired I spoke with a Bank 's assistant to find out what was going on with my accounts. She said that the investigation would in fact take 30 days. In XXXX I called the Ally several times and asked their assistants to pass me on to the investigator dealing with my case but they always told me that the investigator was busy or not in the office right now and that he/she would definitely call me back within 24 hours. I've never received any calls from the investigator. I consider it totally inadmissible that for more than 2 months I've not been able to access my accounts and to manage the funds I own. I look forward to your reply and a meaningful resolution to my problem. Please don't hesitate to contact me by email or phone ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My brother and I opened a XXXX Checking account at Ally Bank due to the death of my mother. Account opening was smooth. Large amounts were deposited into the account due to the closure of my mothers estate, 100K+, and then wires were sent out of the account to my brother and myself. Wires sent to the actual account owners of the account. Well, Ally decided they are going to lock the account, and requested all kinds of documentation that I have complied with. Each and every time I have called I have been told that it is with an investigator, yet I have no option to speak to the investigator. 5 days now I have been unable to access the funds in our trust account. We are attempting to close on a house and have large sums of money moving ( due to the unique situation of it being a trust account ). I am also XXXX XXXX military and Ally has not allowed me online access or the ability to close the account. I am sure these are definitive XXXX violations to lock an XXXX XXXX members money with no way of accessing it, and no way of transferring it out. My last conversation with them was that I can not access the funds until I speak to an investigator. No option to speak to the investigator.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My housemate, XXXX XXXX, pays me {$800.00} in rent ( sometimes utilities w/ rent payment ) via XXXX XXXX month. On XX/XX/XXXX, I received a XXXX payment from her for {$2400.00}. I texted her to ask what was that for. She said she was on the phone with the bank and it was a fraud issue. I asked if I should send it back, and she said the person on the phone said to do so. I sent back {$2000.00} since that is the XXXX limit. I had a trip to XXXX on XX/XX/XXXX, so sent her the remaining {$400.00} on the XXXX during my travels and trying to wrap things up. Turns out, she was on the phone with the scammer when I sent the {$2000.00}, and the funds went to him. Refer to attached documents * XXXX XXXX payment history.png * {$2400.00} from XXXX.png * Text with XXXX.PNG * {$2000.00} to scammer.png XX/XX/2022 - I received an email from Ally Bank telling me that my phone PIN has changed. I don't use a phone PIN so I called to inquire what was going on. I went through the typical series of security questions in addition to questions around the fraud issue my housemate dealt with. Then, I was told my account is locked and under review. It can take up to 10 days and I can call within 2 days to get an update. Funds can come into my account but no funds can go out. Payroll is coming in and so is my mortgage payments. XXXX days investigation would mean I couldn't pay my mortgage. I felt deceived into calling and have no insight to what was happening with my account ; just a surprise lock down. XX/XX/2022 - Funds were removed from BOTH my Checking ( {$210.00} ) and Savings ( {$2100.00} ) account without warning, so I was under the impression that I got scammed too. I immediately filed a dispute with both transactions, then called Ally. Ally initially told me the funds are still there. I challenged it, and they corrected themselves and said Ally removed the money since my account is under investigation. They also told me I was told to call XXXX days after, and that I'm calling early. For someone who received no information on what is happening or what is to happen, having funds drawn from your account is alarming. All the while, I'm freaking out on how I'm going to pay my mortgage since I don't have a workable personal Checking account. Looking back, it looks like the funds they took out summed up to the {$2400.00} that was scammed, which leads me to think they are going to take my money and make me at fault for the scammer. Refer to * {$2100.00} withdrawn from Savings.png * {$210.00} withdrawn from Checking.png XX/XX/2022 - I called to get an update and I have no update other than account is still under investigation. Why tell me to call for an update if you're not going to give me one? She also told me " You know you have a negative balance on your Savings? '' and I had to tell her because her company took it out... I told her I'd like to close my account. She said she'd make a note of that. I then told her I can't pay my mortgage, and she said she can put a note for the investigator to expedite this. Why couldn't they have done this earlier? XX/XX/2022 - My {$2400.00} payroll hit my Ally account that I can not use to pay my mortgage and bills. XX/XX/2022 - I called Ally for an update and got corrected that it takes up to XXXX days for the investigation and still have no information at all on what's going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: so many problems with Ally ... where do I begin? ( Note that there are numerous problems with Ally, but the CFPB complaint form only allowed me to choose one account and one problem ) 1. Scam : a. I received a phone call ( allegedly from XXXX at Ally Executive Customer Relations ) and email telling me to call a phone number that I don't know ( XXXX ). I XXXX called that number and left a message - then later I searched for the number online and it's high risk of spam. On XX/XX/XXXX I messaged Ally through their website " I received a phone call from a number caller ID calls " SPAM RISK '' asking me to contact Ally. Also an email... Please communicate only via this online Secure Message system, so that I can be sure it isn't a scam... And if you need to tell me something ... what do you need to tell me? '' I have never heard back from Ally - not in response to the voicemail I left, and no response to the message I sent through their website. b. So was it Ally who called / emailed, or not? c. And if so - what does Ally want? Per my message - Ally should communicate ONLY through their website so I know it's really them. d. And if it wasn't Ally who called & emailed - how did the scammer get my information? 2. MAJOR problems with debit card : a. They cancelled my debit card without telling me- this could have caused a very embarrassing or even legal problem if I were unable to pay for my meal. I have a new debit card now so this is no longer an issue for me- but the fact that they will cancel a debit card without informing the customer IS an issue. b. They allegedly sent me two debit cards which I did not receive. NOTHING should be mailed to my street address EVER. That's why I have a separate MAILING address. Even though thecards have been cancelled, there are still questions : What address did they send them to? And why didn't I receive them? As I have messaged Ally, I was a victim of identity theft- do they have another address for me? Did somebody hack my info? c. As I messaged Ally on XX/XX/XXXX through their web sitebut they have ignored my message - when I FINALLY received my debit card, I was unable to use the toll-free phone number on the card to activate it, as it would bring me to an endless loop of voice messages. ( I finally was able to activate it using their phone number for out-of-country phone calls. 3. Retirement account : a. They have yet to answer my question about what KIND of retirement accountwas my XXXX account, and they refuse to answer - onlystating that it is a retirement account ( duh ) but not telling me what kind ( IRA? Roth IRA? Other? ) 4. Checks a. I ordered ten checks- and received 20 checks with the wrong starting number. So far this has not caused problems, but it's yet another example of their incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A