Date Received: 2022-09-30
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I have multiple IRA High Yield CDs that keep renewing. I can not get anyone on the phone ( wait times are hours long ) or on chats ( the bots do not understand my request or they say the wait times are 30-60 minutes when they are even longer than that ). When I try to close the account and request distributions, the website says this can not be processed at this time. I should be able to close my accounts without penalty because I am getting only 1.5 % on some of my money and it KEEPS renewing. They keep saying the customer service is swamped which is probably true, but my finances are being affected by their under hiring. Additionally sometimes when I call, the calls just hang up on me after a certain period of time. This is unacceptable for a bank or any trusted financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We have just started new jobs, so I had my wife download bank app so she has access. She is a server and she gets her tips in check form the next day. Twice she e deposited her check and the bank put a five day hold on them. I took her check, same account, same bank and e deposited it in between those checks.. went right thru. The problem is Im stuck in a hurricane 3 hours away from home with my wife and 4 dogs. The bank will not release the checks, even in an emergency. Ive explained that we have been out of work for 10 months and this was all the money we had. We went to XXXX to meet friends fleeing from IAN in FL, they left yesterday but had the hotel room till today. Now because Ally bank wont release our funds that were deposited on Sunday XXXX and Wednesday The XXXX, weve had to check out and ride out a hurricane in our car with it on Empty with XXXX in the account, we cant get home and have XXXX money to eat as they are holding XXXX till at least Monday XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a new checking account with Ally on XX/XX/XXXX. I did this because I received an email stating that I would get {$250.00} for opening the account and making a qualified direct deposit by XX/XX/XXXX. It also states that the deposit will occur on XX/XX/XXXX. I began contacting Ally in XXXX. I have had multiple agents tell me that I have qualified but they don't know why it isn't paid. They keep " escalating '' my case. I have also had 3 agents tell me that too many people took advantage of the offer so there are many people complaining about this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had applied for a car loan in the month of XXXX well I looked at my credit report and I noticed there are a bunch of other inquires on my report from XXXX XXXX, XXXX, XXXXXXXX ally, I was a victim of an inquiry issue and request that these inquires be removed from my credit report and a victim of an inquiry issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We opened XXXX accounts with Ally Bank : a personal savings account and a family trust account. XXXX minor deposits and XXXX large deposits were made to each account. The XXXX large deposits were the result of property sales and closings. Thereafter, we attempted to send several wires for the purchase of other properties as well as add a " linked '' account for my brother so we could make payments to him. None of the wires were sent out and the bank account addition caused the account to be flagged for fraud. Both my wife and I then provided all of the documents that the bank required to prove we are who we say we are including our licenses, social security, pictures of us holding our IDs, and utility bills. We did that and the bank, after several lengthy phone calls, is continuing to restrict our access to our money and our account. This is our life savings and they are playing games. They initially told us it could take up to 3 days and now they are saying 30. They will not give us the almost {$1.00} XXXX back. We have not only complied with their requests, but have followed up multiple times and have spent hours on the phone only to have no resolutions whatsoever. Today, the customer service representative, in so many words, told us " they would decide what they would be doing with our accounts '' and they sent us to a voicemail box with no other foreseeable resolution. We owe money we can not pay and missed two property closings due to Ally Bank holding our money hostage. We just want our money back and to be done with this bank forever. This action on their part is irreparably harming us financially and causing extreme emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 006XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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 number # XXXX Ally Financial has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 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 account under an open end consumer credit plan as late for any purpose. Late payments reported XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00} XX/XX/XXXX - {$290.00}
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXXXXXX ran my credit on accident when my father went to their dealership to buy a. truck, i told them they ran the wrong information they told me they cant do anything about it. my credit score dropped XXXX points and i didnt give anyone permission to check my credit, it was a total of XXXX inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. Under 15 USC 1861, Section section 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 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: IL
Zip: 60441
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I talked to them on the phone and they said I still owed a debt, I was taken to court earlier by a different attorney and this debt was dropped because I have a XXXX XXXX and paid-off note! this is not my debt. The court in XXXX XXXX has a record of this information and I am no longer to be contacted over this debt. This is unfair and the original collector knows it was paid for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for XXXX purpose. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A