Date Received: 2022-10-11
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I originated a loan in XXXX and set up autopay. Most months I see the {$350.00} being removed. Apparently my account was insufficient in XXXX of XXXX. I was laid off at that time for Covid. Every month since then, the money was debited from my account. According to Ally Bank, Ive been behind since then and have been charged $ XXXX. Ally said they never tried to call since they were being paid. I feel that is predatory and thats why I am complaining.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This debt is a loan in my name but was court ordered to be placed in my ex wifes name in our divorce decree. She has missed payments and they are contacting my current wife repeatedly. She has nothing at all to do with this loan or debt. We have asked them to stop or repossess the vehicle and they have done neither.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Hi im wanting to submit complaint against Ally Auto bank. in XXXX it was considered a total loss, my insurance paid over XXXX. And now Ally is trying to say i owe over XXXX $ and i have my statements from Ally and i owed XXXX that was with my XXXX XXXX statement. vehicle date of claim was XX/XX/XXXX. and my last statement from Ally, dated XX/XX/XXXX that my balance was XXXX $! which is not possible. I've called them, and just faxed em all copies of proof but they have alot of fraud cases, but they are blowing me off. i need to sue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 726XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In regards to a complaint with Ally Financial and the case being closed because the replied is at it seems. The first complaint was never responded with proof by mail or thru the CFPB. A request for accounting per GAAP regulations, which a consumer is completely entitled to. Ally representative sent a copy of a document which does not qualify as accounting is not proper verification. Upon looking and reading over the Contract, Ally Financials name was not placed anywhere on the document. Also while looking at the document there was no reference to Ally Financial placing a signature on this document. In the response all of the documents were not attached, missing was the Recission of signature document, all of the instruments that were sent to to Ally a the responses stating they do not accept payment in that form. Attached is a file claiming the account shows a Charge Off status. This has been done without any authentic real proof of claim. Four notarized Authentic documents sent to Ally by Consumer with no valid response. It is difficult to do any transaction or contract when there are two completely different entities involved. Ally Financial being a legal entitiy, a corporation in a different juristiction registered with government agencies. and other corporate entities. This being a natural person, physical person, with proof of being born in a juristiction not like the corporation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56007
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I received a notification that a fraudulent transaction ( {$200.00} ) has been been made with my debit card. I called Ally Bank and confirmed that it was not authorized. I then disputed the transaction and was told that it would be investigated. On XX/XX/2022, I received a letter stating that the transaction is considered authorized because the transaction was " completed with a merchant with whom you have established a relationship ''. I do not know who the vendor ( XXXX ) is and I know for a fact that I did not make the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54915
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On 4 occasions over the past 2 months I have attempted to reach out to XXXX to resolve a dispute regarding my credit card. My family and I suffered covid 19 and as a result lost several weeks worth of collective income. The service refused to work with us and had no provision for covid even though national forbearance and forgiveness plans did not expire until the end of last month. They immediately filed a negative credit report tacked on late fees and have begun harassing me with calls 2 to 3 times per day for the past 2 weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: On or about XXXX XXXX, 2022 I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX LA. and financed the vehicle with Ally Financial. As part of the financing I purchased GAP warranty coverage from XXXX XXXX and the purchase was included in the financing contract. On or about XXXX XXXX I refinanced the vehicle with XXXX XXXX XXXX XXXX and as part of the loan offer I was required to purchase the GAP coverage that was offered by that lender. I did purchase their GAP coverage and provided XXXX XXXX with written confirmation of the cancellation of their GAP coverage with was countersigned by a XXXX XXXX representative and was told I would receive a refund for Approximately {$770.00} and that a check would be mailed to me. After several weeks I contacted XXXX XXXX as I had not received anything and was told that the refund had been sent to Ally Financial and they would forward the money to me as I had paid the loan of at Ally. After not recieiving anything from Ally nor any communication I contacted their customer Service and was informed a refund would be issued to me but it would take as long as 70 days to process, I informed them that was not acceptable and was eventually connected with a supervisor who escalated my case to their " Executive Resolution Team ''. In late XXXX I was contacted by a representative from team and promised a resolution in days. On XXXX XXXX I was again contacted by that team member and told a check had been mailed to me on XX/XX/2022 and they now considered the matter resolved. After no check arriving within two weeks I again contacted Ally customer service and was told by the representative that they had no record of any payment being made to me.And they had no idea when I would receive a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/2022 ally auto closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the XXXX XXXX XXXX XXXX file number XXXX but she has yet to respond to me.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I woke up on the morning of XX/XX/XXXX and noticed several pending fraudulent transactions on my checking account. I immediately used the Ally app to turn my debit card off and proceeded to call Ally to report the fraud. At XXXX I first spoke with XXXX who verified my card was deactivated. She ordered me a new card and advised on when it should arrive. She was very helpful and the replacement card arrived within the timeframe she gave me. She transferred me to XXXX who would be assisting me with reporting the fraudulent transactions. At XXXX I spoke with XXXX and went over the fraudulent transactions that were pending on my checking account. He advised me that the transactions would need to post before they could take further action. He said that it was possible that some of the fraudulent transactions could drop off and not post. At the time there were XXXX pending fraudulent transactions totaling {$270.00}. He said they would act on the fraudulent transactions that posted to my account on Monday. He advised that it could take up to XXXX business days to resolve, but that the timeframe was often less. On XX/XX/XXXX at XXXX, after seeing that all XXXX fraudulent transactions were still on my account and having received no communication from Ally, I called back to check in and spoke with XXXX XXXX This employee sounded as if they were reading directly off a script and proceeded to tell me that after 10 days they begin investigating the transactions. I told her that I was told by XXXX on XX/XX/XXXX that the process could take UP TO 10 days. She said that wasn't the case and indicated that no investigation had begun. She said to check my account on XX/XX/XXXX, which was the XXXX business day, and that I should see communication from Ally regarding the bank 's determination on my fraud case. I didn't feel very confident about this based on the employees demeanor and apparent incompetence. On XX/XX/XXXX I logged into my Ally account and there were no communications regarding my fraud case. None of the fraudulent money was refunded. I had to wait until my lunch break at XXXX to call the bank back and ending up spending nearly XXXX hours total on this issue. After waiting on hold for XXXX minutes I was connected to XXXX and I immediately asked to be transferred to a supervisor. XXXX said he was more than happy to transfer me, but he kindly asked if he could take a look at the case. I told him that was fine. After reviewing my case and discussing my prior communications with XXXX and XXXX he decided a supervisor needed to be brought into the loop because it had been XXXX business days and nothing had been done. XXXX was very helpful and stayed on the line until a supervisor could join. I asked XXXX if they kept the recorded phone calls I had made and he indicated that they are kept. After chatting for about XXXX minutes, XXXX advised me that he was bringing XXXX on the line and that she was a supervisor. I went over all of my prior communications with XXXX and expressed my frustration that it had been 10 days and nothing had happened. I told XXXX that I fully expected the fraudulent money be deposited to my account by the end of the business day as I had already waited 10 days for the process to work. She told me she would escalate my case and that I would have the fraudulent money credited to my account by the end of the day. I requested that XXXX pull the recorded phone calls of my prior communications with XXXX and XXXX so that she could hear for herself what I was told and what has happened and told her that perhaps these calls could serve a purpose in training future employees and they could follow up with XXXX and XXXX on their procedures. The next morning ( today ) I logged into my Ally account and found that nothing had happened. Words can not express my disappointment and frustration with Ally Bank. I am out {$270.00} and I don't know what to do. My wife was laid off last week and money is very tight. This was communicated to XXXX the day before. I was hopeful the money would be credited, but I didn't have much confidence it would based on my dealings with XXXX and Supervisor XXXX. I am beyond disappointed in Ally and I hope that this complaint to the Consumer Financial Protection Bureau will help me get my money back. This experience with Ally has shattered my confidence in them because this could easily happen again. I have opened an account with another financial institution and have begun moving funds over to it. I'll leave the Ally account where the fraud occurred open until I have the fraudulent transaction money refunded to me. At that point my business with Ally will be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2022 I applied for a credit card with Ally Lending for the use of potential services needed for the amount of {$1700.00}. I canceled the services I had an appointment for on XX/XX/2022 with the company XXXX XXXX stating I no longer wanted services. This cancellation was 72 hours prior to my previously scheduled appointment. I received a credit card statement from Ally Lending saying that I owed money for services I did not receive. I have contacted both Ally Lending and XXXX XXXX of which no one was able to help me with the dispute. I have left several messages and still no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A