Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally finical inc did a report that I did not authorize and they did two reports at the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a checking account and a saving account with AllyBank. They asked me for account and routing info for me to make the initial deposit to open the account. Since I had been struggling with unemployment for awhile due to a XXXX, my domestic partner offered to make that initial transfer. There was no notification of any kind saying that the account had to be under my name, and no request in the form for the name of the account. It took multiple days for them to verify that transfer ( about a week ), and they did not deny it. The transfer went through, the account was opened, and I used it for at least 2 weeks ( possibly more, maybe 3-4 weeks, just estimating on the conservative side to be safe since I don't have records of exact dates ). I tried to access my bank account, and the notification explicitly said ( and I quote directly ), " We've locked your account. You entered an incorrect username or password too many times. Double-check your username or reset your password to continue- it'll only take a few minutes. '' I found this strange since it was a biometric login, but I called anyways on Friday, XX/XX/XXXX. I waited for about 50min for someone to respond, and stayed on the call with multiple holds in between for about 1h30min. They hung up on me, and did not call back. I called again on Saturday, XX/XX/XXXX. I wanted about 1h10min for a response, and was told that I had to wait for a callback on Monday since it needed to be redirected elsewhere. I agreed and waited. I called today, Monday, XX/XX/XXXX. They redirected me to a " specialist '' after a 1h30min wait. I was asked whether the account I had transferred from was under my name. I said no, it is my partner 's name. He was present and could verify that he had consented to this. I was then informed that this was against their policy, that they were opening up an investigation, and it could take up to 90 days for me to receive a response. I did not raise my voice nor did I get angry at them, I simply asked if there was any other solution since I unfortunately can't afford to not have access to any of my money for that long ( especially since it's the XXXX, and rent payments are due in a little over a week ). They informed me that they would need to investigate to see if they wanted to continue a relationship with me as a client, and that it was out of their hands now. The person was clearly getting exasperated and wanted me off of the call- I didn't push because I understand how much customer service can XXXX as someone who has worked in customer service, but I never raised my voice and never got upset, I was genuinely just saying things along the lines of, " okay! is there a solution to this problem though? ". I let them hang up and end the call, but I called again. If the purpose of the investigation was to determine whether they wanted to continue a client relationship, perhaps I could just offer the final answer of " no, I don't want to continue this relationship '', and ask them to close the account and send me a cheque. I waited for about 1h15min, spoke to another representative, kindly explained the situation and asked if they could close the account. They said they couldn't because of the open investigation, and I thanked them for trying anyways. I fully understand that I do tend to skim over the longer terms and services document, but this still felt overly punishing for a simple mistake - most banks have never had issues with me receiving transfers from other people, and if this was important enough that it could hold my money XXXX for up to 3 months and open a serious investigation to determine whether I could still be a client of theirs, I felt it was worth having a clearer warning during the transfer process. My partner is a software engineer, I know it wouldn't be too insanely difficult to add a field for " name under account '' and make sure it matches the name provided. Or even just a simple text disclaimer on that specific page of account setup.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have received several emails as an ally auto customer enticing me to open up a checking account with ally bank. On XX/XX/XXXX I received an email with a promo code " XXXX '' Advising if I open up an account with a direct deposit within 30 days Of receiving the direct deposit I would receive a welcome bonus of {$250.00} deposited to the account. Well today is day XXXX and I still have not received the promised deposit. I have pleaded with multiple representatives at customer service and there continues to be no resolution or credit to the account Like I told the bank I shouldn't have to beg or plead for something that they offered I fulfilled my obligations but they have not fulfilled theirs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an Ally savings account on XX/XX/2022. The new account had a welcome offer of 1 % up to {$500.00}, meaning a maximum deposit of XXXX. Ally ran this offer up to XX/XX/2022, leaving new account owners with a small amount of time to deposit these funds. After opening the account, I made three transfers over multiple days totaling over XXXX. A day after the second transfer was posted, Ally locked my account out. The reason for the lock was " too much money deposited. '' Now I need to send in bank statements and a selfie with my driver 's license in order to " verify my identity. '' Until then, my account is locked with no access to the money. What kind of a bank verifies customers after they collected XXXX? I am currently stuck, unable to access my account. I would like for this company to unlock my money so I can close the account and get out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
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 15USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received an email stating I opened a savings account ( Ally Bank ) that I did not open. Received an email shortly after stating that I changed the email address on the account and the email listed is not my email. I called the bank listed on the email and they submitted a fraud case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Car loan was responsibility of ex husband. Car was involved in an accident that totaled car in XX/XX/2020. Car loan was paid in full by insurance and/or XXXX. Company is still reporting recent charge off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79701
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I requested a wire be sent for our home purchase scheduled for XX/XX/XXXX. On our day of closing, XX/XX/XXXX, we expected the wire be sent that day in order for us to close on our home. I was told that Ally would call me if anything was needed from me. As the hours went by on the day of closing, XX/XX/XXXX, I noticed that no one called me but checking the app said that I needed to call their number for more information. I was not told what information was needed and was confused why I was not called in the first place if they needed information from me. Nonetheless, I called and spent over 6 hours on hold during that day trying to get in contact with someone. I was able to get a hold of someone 3 times that day in 6 hours. The first time, I was told I would be put on hold for 3-5 minutes. During the time I was on hold, I was hung up after spending two hours trying to talk to someone. I had to call back a second time. The second time I called there was a similar hold time. I spoke wot someone who said wire information needed to be verified. I verified and confirmed that everything was completed with the teller and was assured that the wire would be sent the same day as I was able to verify the information before the cutoff time. This turned out to be not true since I noticed on the app that more information was needed. I called back a third time and was on hold for hours again before I was able to get a hold of someone. The third person stated that information needed to be verified again even though I confirmed with the person prior that everything was verified. I verified the number again but was told that the wire would no longer be able to be sent the same day. This was an incredible inconvenience as we had planned to start moving over the weekend, but now we are not able to do that. I was then told that the wire would be sent on XX/XX/XXXX. I specifically asked if they meant XX/XX/XXXX or Monday, XX/XX/XXXX and they confirmed the XXXX. I checked the app on XX/XX/XXXX to confirm the wire was sent and the same pop-up showed that I needed to call Ally Bank XXXX I called once again after spending more hours on hold and now I am being told by the 4th person that they can not seem to locate my wire. I gave them all of the information they requested but now my wire seems to have disappeared from their system. I was told to call back on XX/XX/XXXX. This is unacceptable and seems inconceivable to me how a bank can lose someone's wire and money. I was never contacted regarding this and everything had to be done on my initiative instead of the other way around, even though they have lost my wire of tens of thousands of dollars. Ally bank said they would call me if anything was needed from me but they never did. This is shameful and I feel like they do not care about the distress this is causing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A