Date Received: 2022-10-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Tried to have them removed but unsuccessful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a monthly recurring transfer set up. I received an email notification on XX/XX/22 at XXXX XXXX XXXX XXXXndicating my scheduled transfer would take place in three business days and that the funds would be withdrawn on XX/XX/22 and deposited on XX/XX/22. On XX/XX/22 I received an email notification my transfer had been submitted ( in two business days not three ). I logged into my account on XX/XX/22 and attempted to cancel the transaction, but a different transfer was cancelled by mistake. When I contacted the bank to have them stop the transfer I was told it goes into pending status the business day prior to funds being withdrawn and there was nothing they could do to cancel or modify the transfer. I also requested they reverse the transfer once it was processed and I was told again, nothing could be done. I intended to review and modify the transfer over the weekend and submit any changes ahead of the XX/XX/22 transaction start, but because it was submitted early I was not afforded the opportunity and now I have to correct it with additional transfers and effort on my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95409
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I have called Ally bank several times waiting an hour each timeAnd have not received a response. They apparently do not answer the phone or have enough personnel to answer therefore I can not have my mature CD sent to me by direct deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My leased car was involved in a total loss accident. My automobile insurance advised me to longer make payments on the car and that they would submit a total loss action with Ally financial and that would be done in a timely matter. I stopped making payments and also received a misleading letter from Ally Financial dated XX/XX/22 where at the bottom of the letter states, " Due to the total loss claim, your account is placed in special handling. If you receive billing statements by mail or electronically, then they will be suspended temporarily. '' I understood this sentence as my payments would be suspended. I therefore, did not make a payment and Ally reported the late payment to all 4 credit bureaus. I called Ally on XX/XX/22 and explained the above and disputed the negative credit entry. On XX/XX/22 I received a letter from Ally with the decision that they would not delete the late payment off the 4 credit agencies. Before this, I had a high score of over XXXX points and now my score dropped about XXXX points. The negative entry is affecting my future purchase of a vehicle.
Company Response:
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2022 I sent a certified letter requesting immediate closure of my checking account. To date, it has not been done. Yesterday, they allowed a online payment to go through even though this account should have been closed. I had to initiate a transfer from my current account to this account that should have been closed. Please assist me in closing this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2021 RE : Charged Off - Overdraft Account Number ( s ) ending XXXX This is an email I received from Ally Bank due to them handling a " Fraudulent Activity '' case inappropriately. XXXX XXXX, We've closed your Ally Bank account ( s ) due to an unresolved overdraft ( s ) totaling {$96000.00} XX/XX/2021 I was contacted by Ally regarding a Joint Account I held with them which had been flagged with fraudulent activity. My grandmother was on the joint account with me because she requested I invest XXXX XXXX of her money in bitcoin. I proceeded with her request and set everything up accordingly. About a month XXXX after investing her money, she went to her bank XXXX XXXX and claimed that she didnt know about any of these transfers and was a victim of identity theft. Both XXXX XXXX and Ally contacted me to investigate and regardless of the evidence I submitted to Ally confirming her full participation and acknowledgment of her investment, they continued to mark the account as fraud and closed it leaving me with a negative balance of {$110000.00}. In order to offset this negative balance, Ally then depleted my personal account in the amount of {$13000.00} and has informed me of a balance due to them in the amount of {$96000.00} which they charged off not even a month after the investigation. XXXX XXXX received my evidence and I was never contacted by them again because they saw that my grandmother was fully aware of her investments. Here is an email thread I had with Ally during the investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to losspreventioninvestigators Hello XXXX, I hope all is well and that you've had some luck getting in touch with my grandma. I left her number when I called into Ally yesterday. I also submitted a request that my personal account get unlocked because I have bills to pay and medications I need to take and be able to pay for. As you know, I have been cooperative with Ally and have submitted evidence showing my grandma was fully aware of the withdrawals. I understand we are at a standstill until you speak with her but unfortunately I have obligations to take care of. With that being said, how can we resolve this? On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Hello XXXX. I've attached the text thread with the conversation I had with my aunt ( XXXX XXXX XXXX ; her contact info is saved as XXXX XXXX XXXX in my phone because that's her nick name. As you can see ... her number is XXXX My grandmother was well aware of the XXXX XXXX investment. I created an Ally account because it's the bank I personally use and in order to buy cryptocurrency any money going in must come from the account holders name. Due to this, the only way to transfer funds was from my joint account with XXXX XXXX XXXX my personal account. I even went to the bank with my grandmother XX/XX/2021 because she wanted to take XXXX out to play with at the XXXX. They printed out her account balance that day as well. My grandmother is clearly not in the right state of mind and my aunt is helping her fabricate a story that paints her as a victim so that she can recuperate her funds for the investment. I have no problem giving my grandmother her money but I will need some time so I'm not selling it at a loss. I never did any of this for my own sake, this was a favor my grandma asked me to do for her because she gambles a lot and wanted to make money. Please let me know if you have any other questions. Thank you for your help, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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: This is now the SECOND complaint since last month ... ..ALLY BANK is continuing it's harassment involving getting the Title to the van I paid off 16 MONTHS EARLY ... ..on the other complaint I received the usual sarcastic letter saying that they will ABSORB THE {$1.00} LOSS and told me that I have to go to the DMV to get the Title ... ..I stated in the first complaint that ... .I NEVER HAD TO DO THIS WITH THE OTHER FOUR NEW VEHICLES I PAID OFF OVER THE YEARS! They stated that in Missouri I just go to the DMV and do it there ... ... ... .ANOTHER LIE BY THIS BANK!!! I drove the 40 miles to the DMV office and they said ... ..THE BANK HAS TO SUPPLY THE TITLE ... .THEY JUST NOTARIZE IT AS OFFICIAL WHEN I BRING IT IN WITH THE LEAN RELEASE!!! This is the same type of run-around I've been getting from this Bank for THREE YEARS!!. ONCE AGAIN, CAN YOU PLEASE GET THIS POOR EXCUSE FOR A BANK TO SEND ME MY TITLE... ..IT 'S BEEN 8 MONTHS SINCE I PAID OFF THE LOAN. Again, if you go on line to the BBB or their Social Media pages, you will see that they do this OFTEN, especially for folks that pay their loans early or have some sort of dispute with them, as stated in the complaints. PLEASE HELP ME WITH THIS, I DON'T KNOW WHERE TO TURN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: First off, let me say that Ally has been very accommodating in not taking any action against me while I've tried to work things out with them. The reason for the complaint is because Ally is not yet participating in the HAF program in Hawaii, and while it is voluntary on their part, there is no downside to their participation. The Treasury Departments Homeowner 's section regarding the HAF program provided a link to complain if you've been awarded a HAF Grant but your lender is not participating. Many months ago I was approved for a HAF grant in Hawaii, but as noted Ally ( and their servicer Ally/XXXX ) are still not participating in the HAF program in Hawaii. Fortunately, they have not turned down participating, but it would help me immensely personally, and I am sure it would help many others if they could make the decision to now participate. In speaking with their ( very friendly ) customer service representatives, I can tell you that there has been confusion on how the HAF program works in Hawaii. I've wondered if this may be part of the reason for the delay. They've told me things like the grant would have to be repaid ( which is not the case in Hawaii ), that Hawaii would put a lien on my property ( again, not the case ) and they said that I could not be in a Loss Mitigation process and also utilize a HAF grant ( which, from my reading of the HAF term sheet for Hawaii is the opposite of how the program is supposed to work ). At this point, I went through a Loss Mitigation process with Ally and was ultimately turned down ( after months and months of submitting and resubmitting the same documentation ). I am looking to refinance my home through a private lender. While not ideal, especially under the current interest rates, it may be my best option for addressing my arrears. If Ally were to participate in the HAF program now, I could reduce my principal and make the amount I borrow less costly to me. Since HAF is a voluntary process, issuing a complaint seems out of place, but I am following the process offered and perhaps this is all just due to a mistake of not understanding how the program works in my state.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made my monthly auto loan payment to Ally Financial for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. Now on XX/XX/2022 I received a notification from XXXX credit bureau that my auto ally financial was 30 days late. Dropping my score XXXX points. I have proof of payment that was made before the XXXX. I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from XXXX due to ally financials error! Ally Reference number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My company had leased vehicles from Ally Auto in XXXX and we agreed to returned them in XXXX. As Ally sold the vehicles, they paid us for the surplus of the vehicle value or I had to pay them for the difference due. However, even though we often check their website to see whether the vans or sold or not, they do not update the information. I have to wait until I receive a letter from them. For the second time, they sent us a letter in the mail for the amount due and at the same time they reported me to the credit bureau agencies as being delinquent. On Friday, XX/XX/XXXX, I received a letter on the mail dated XX/XX/XXXX. On Monday, XX/XX/XXXX I made the payment only to find out hours later that they had already reported this payment as delinquent. Ally system is automatically reporting the delinquency. This is affecting my life as we are going through the process of signing the closing of the loan for our house in XXXX XXXX and the financial institutions are not allowing us to sign because our credit has been hit. Everyone knows this is a mistake. Ally 's employees, XXXX and XXXX were doing a great job in helping to this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A